Legal Question in Credit and Debt Law in Pennsylvania

If you get paid for them before you actually provide something in return, you would probably have to offer a refund if the customer demanded it before the service was provided.

You can call them whatever you want, but you would not be a tax-exempt organization, so you would have to pay taxes on the income and the "donations" would not be tax deductible for customer. If you didn't have a business entity, your expenses would also not be deductible from your profits, so your taxes would be particularly high.

Almost all payment processors require you to be 18 or older to send or receive, so be sure there is an adult involved.

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This is not a credit/collection issue. Its a tax question and I am not a tax attorney. I don't think you will need a tax attorney per se - a CPA should be able to assist you.

I agree with Attorney Duffy though. There is a presumption of taxability (the only entities that are tax exempt are charities and non-profits neither of which seems to be the case with the entities you describe). You do need to consult a business law attorney if you decide to pursue this endeavor to help you set up an LLC or business corporation.