Hey, im Abdullah and i am a web developer with over 3 years of experience, i understand what you are looking for, and i can do it, i am fluent in PHP, Javascript, html and CSS. It is also worth pointing out that i know core PHP and have worked on advanced projects such as social media apps,
I can build your website, here's my plan on how i will do it,
First, i will make a functional site with minimal design, (might not look really good, but it ll work)
Second, i will design the website and make it responsive,
Third, I will build the admin panel for you, because i believe admin panels should be the last thing to do.
I have a question, you want an ability to make payments, but for what reasons? are users paying to use this site? etc.
Please message me so we can discuss further.