i came accross this topic on another board, You accept solo cards, "kiddy debit" cards, which are issued to 11 year old, when the kid turns 18, they get upgraded to a Maestro Card
"The smarter way to bank for 11-18 year olds"
http://www.natwest.com/personal/serv...UNTS/CARD_PLUS
where is the safe harbor you prove your clients when you accept underage cards? this was a hot topic with gambling sites
http://www.theregister.co.uk/2004/07...ds_gamble_nch/