I've never touched payment integration before, so that'll reaffirm your assertion. I guess I'll have to review that code carefully. I'm a bit apprehensive about contracting out that part, but if I find someone who does a good job -- it's very possible that they'll have the necessary experience to avoid financial mistakes that I'd run into. Great idea.

And, I was going to consider contracting out the design but was a bit apprehensive about what I'd get back, but 99designs looks great! Thanks!