Am I allowed to be blunt here? Get off your ar$e and make a few appointments with managers, speak with them about what you want to do.
The main reason that banks need you to be over 18 as far as I can see are that they like to charge you when you bounce things, or let you accidentally go overdrawn - if you're under 18 then they cannot legally take you overdrawn, as giving credit to a minor is a big no-no.
A merchant account will need you to be over 18, as due to the fact you can do refunds on the system, and there's a chance that money could be recalled from you up to 180 after the event as a chargeback, should the purchaser dispute any part of the transaction, which could in theory leave you in debt to the card company, hence them giving you a credit facility.
Will a parent go guarantor for you? If you've got a good business plan, there seems no logic in holding off because of silly things like the fundamentals.
Paul Green, Security Consultant
K9 Protection Ltd
FREE! http://www.securityguardwales.co.uk/audit Security Audit