encrypted is basically going to be on you, the site needs to use https right through. Payment gateways will depend on your country for specific ones but Paypal is mostly always available. Sounds like e-commerce and in that case, the quickest way for you to get started is to use woocommerce which will also provide integration and specific user account pages.
Goodluck :)
Thanks.
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I forget I think this would be right up @chekohler and @mimismartypants alley, maybe they can have a chat with you.
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