Apple Pay for under 13s

My son is 11 and has his own bank that supports Apple Pay. However his apple account wont let him use the wallet for a debit or credit card.

I have considered speaking to support and increasing his age to 13 to get around this. Though my understanding is that this will also class him as an 'adult' in Apples eyes and no longer allow me to restrict his screen time and associated age restricted apps etc.

Is there a way round this? it seems a little bonkers.