Is it at all possible to age verify without payment on file?

[Chelsea Songlark]

I don't want to pay but I want to be able to access ALL areas of SL.

[Griffin Ceawlin]

https://secondlife.com/my/account/verification.php

[Ceera Murakami]

As long as you refuse to (or are unable to) put some sort of payment info on file, there will remain some areas of SL that you can not access. Individual sim owners and parcel owners can choose to require payment info on file to access their land. So just doing the Aristotle ID method will not get you into those areas.

If you are in the USA (or Canada, I think), you could get a PayPal account and use that as the payment info. You'd only have to use it once, to buy $2.50 USD worth of L$, so the in-world systems see the payment info. Or put the payment info on file and try opening a support ticket and see if they can get the payment info to show in-world without you using the payment method first. That would get you into all areas that don't explicitly require the Aristotle age verification method. Outside the USA there's issues using PayPal, but they have quite a few other options for payment info.

Some areas do require both Aristotle age verification and payment info on file.

You do not have to become a Premium member and pay monthly dues to have payment info on file. You just have to have a valid and accepted credit card or PayPal account, and at worst use it once, for a fairly trivial amount of money. (Also, once that card expires, you'd still show up as Payment Info used, even if you couldn't use it again without updating the expiration date info.)