In Europe your payment will most likely fail if your name doesn't match your card's and often even if your address doesn't match the address on your card.
That's not the point. The point is that one person should absolutely 100% be capable of paying for a warranty for a third party. That's not transferring a warranty; that's guaranteeing payment.
I always type something random in the cardholder field and it was never rejected. European cards and websites. The store can see what you entered in that field though through the payment gateway.
Sad.