Venmo and PayPal require 18, what to do for 16 y/o

He doesn’t need to set up business accounts unless he wants to be paid in a different name. If the business who contracts with him pays his hashtag or user name, where will he put the check?

My brother’s name is john but he uses Jack and people often pay him as Jack XXX. You can’t believe the grief he gets from his bank that he doesn’t have an ID that says Jack, that Jack and JOhn are the same person, etc.