Without making the site pay only, as a way to link an real life name to an account, it is impossible to completely stop a motivated person with enough knowledge off the site. Then that would create a financial disincentive along with banning the use of the same payment method for future accounts in the case of extreme TOS violations (and that isn't necessarily a guarantee).
Isn't chess.com a pay only site? Also I did not use my credit card to pay for my membership. I used my google play account so chess.com still won't know the identity of the person. Same with those who pay via other ways such as iTunes account.
Without making the site pay only, as a way to link a real life name to an account, it is impossible to completely stop a motivated person with enough knowledge off the site. Then that would create a financial disincentive along with banning the use of the same payment method for future accounts in the case of extreme TOS violations (and that isn't necessarily a guarantee).