Verifying I'm an adult for Family Sharing with a child

Hi ssjd78,

welcome to the Apple (user-to-user) Community.

Re: "trying to create a child ID" ...

"verification: it default to PayPal with no option to change to credit card"

Create an Apple ID for your child – Apple Support

says:

"To verify that you're an adult, you need a credit card.

NB: "On your iPhone, you can also use a driver licence or state ID added to Wallet where available".

Re: "no option to change to credit card" "How to I work around this?"

If you haven't already:

Seems you may need to add a credit card to your Apple ID account:

Payment methods that you can use with your Apple ID - Apple Support in your country or region:

How to Add an Apple ID Payment method:

Add a payment method to your Apple ID - Apple Support

You may need to allow 24 hours for the change to come into effect.

or

Restarting your iPhone may help you see the recent change.

Restart your iPhone - Apple Support

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Later, if needed:

How to delete an Apple ID payment method:

Remove a payment method from your Apple ID - Apple Support

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or

If you wish:

You might want to reach out to Apple ID support:

Eg: There's a "Get Support" link at the bottom of their webpage:

Apple ID — Official Apple Support

All the best :-)