I know some guys <18 having a paypal account,
but its officially not allowed


1. Eligibility. In order to use the Service, you must register for a Personal, Premier or
Business account (an "account"). In order to receive card funded payments or use
the Service to accept payment in the conduct of a business, you must register for a
Premier or Business account. You may only hold one Personal account and either one
Premier or one Business account. Our Services are only available to individuals or
businesses that can form legally binding contracts under applicable law. Our Service
is not available to individuals under the age of 18 years. We may refuse to provide
our Service, change the qualifications for your use of the Service and/or terminate
this Agreement with you at any time on giving you notice by email, such notice to
take immediate effect.
so you can take the risk or just ask your daddy to create one