You ask the potential client their age. It is illegal to lie about your age online. You must be 18 years old to have a PayPal account, but it is also against PayPal's Terms to distribute NSFW products (including art). For any other type of chargeback, contact your bank for a dispute as you have proof of age, delivery, and consent. This can help you in legal means.
I agree with Celestina, too as it is great information.
NSFW Commissions and minors
in Advice for Artists
Posted
You ask the potential client their age. It is illegal to lie about your age online. You must be 18 years old to have a PayPal account, but it is also against PayPal's Terms to distribute NSFW products (including art). For any other type of chargeback, contact your bank for a dispute as you have proof of age, delivery, and consent. This can help you in legal means.
I agree with Celestina, too as it is great information.