Clarification on Payment Feature for Minor Users in E-commerce Apps due to DeclaredAgeRange (Screen Time / Family Controls API)

I am working on an e-commerce app (retail/marketplace) that allows users to place orders for both free and paid products. After receiving a DeclaredAgeRange API response — retrieved via the Family Controls / Screen Time framework — indicating that a user is a minor, I want to understand the recommended approach for handling payment flows.

Specifically, is it necessary to block payments for users identified as minors via DeclaredAgeRange, even though our app uses server-side encrypted card processing rather than Apple In-App Purchases (StoreKit)?

Any guidance on best practices or App Store policy requirements for this scenario would be greatly appreciated.