If you're trying to prevent a minor from using an adult's Paypal account/ credit card and filing a fraudulent chargeback, then this won't stop that. It's still fraud, and the rightful account owner will get their money back. There is no fighting that, and Paypal may set you even and eat the loss. It's a gamble.
If you're trying to prevent your local authorities from taking action against you for selling nsfw material to a minor, then this is highly dependent on where you are. Where I live if a minor claims to be an adult and purchases adult material, then I can't be held liable. That is not the same for everywhere else.
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If you're trying to prevent a minor from using an adult's Paypal account/ credit card and filing a fraudulent chargeback, then this won't stop that. It's still fraud, and the rightful account owner will get their money back. There is no fighting that, and Paypal may set you even and eat the loss. It's a gamble.
If you're trying to prevent your local authorities from taking action against you for selling nsfw material to a minor, then this is highly dependent on where you are. Where I live if a minor claims to be an adult and purchases adult material, then I can't be held liable. That is not the same for everywhere else.