If you read and understand the context of the sentence in Spanish, you can realise that the correct answer is:
Spanish simple present tense
The sentence is in the Spanish simple present tense (''presente del indicativo'' in Spanish), which is used to talk about habitual situations, routines, universal truths and facts. The paragraph is written in this tense.
The correct option is "pagar" because the Spanish sentence explains that Elena doesn't know if she has enough money.
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