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There was a debate like this when Adult Check and the other first AVS systems started up.
I was one of the first to start taking checks online for site access.
It was a tad primitive back then. We were doing it all internally and processing and printing checks with just electronic authorization and I got one of my banks to accept the printed check deposits without signatures. Can't imagine how I manged that one, but I did. LOL, Anyway, this was pre ACH via the net days obviously.
A few people were saying I was violating the requirement for proof of age by credit card law, but my point was checking accounts required you to be over 18 also. And also any kid could go online with their parents card and use it too.
Legally you have to be 18 to enter into a binding contract. So if a kid buys a prepaid mastercard and uses it. I don't think merchants will sell one to them. And secondly you wouldn't have a legally binding transaction anyway.
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