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Debit cards do not work for age verification.
https://help.steampowered.com/en/faqs/view/292B-3DA3-CFC8-97F6
The book, not the year
It has to be a credit card directly registered to Steam, not any other payment method. And the card must remain registered. Once it is removed, age verification must be performed again in the same manner.
See: https://help.steampowered.com/en/faqs/view/292B-3DA3-CFC8-97F6