We are building a website where photographers will be able to share their content and charge money for it. We want the visitors to be able to buy credits from the store and then use those credits to gain access to different content items on the site.

We need a system which does the following:
1) User can buy credits using credit card (payment processed by Zombaio, CCBill, Verotel or Epoch)
2) Credits are put into users account
3) When user clicks on a gallery which is pay for access, they can use the credits they have in their account to get access to the gallery/video/file
4) The credits used gets transferred to the account of the user who owns the content.
5) The user who spent the credit gets access to the content (forever)

We are using Phoca gallery for our photogallery, which already supports user uploads, so we need to integrate this component in a way that when credits are used, the user is added to the list of authorized users for that gallery.

Please ask any questions before you start the project. Payment will be in stages as we see progress. You need to make the component install and work with Joomla.