Another option for you might be BTC payserver but that would require a website build-out. Because I don't think it does things like chat. It's specifically just a payment server for both on chain and lightning.
I'm a big fan of the Nostr Market plugin for LNbits. It allows for chat, multiple stores for different product types, a few things like that. You would be out of luck for credit card payments because it's a lightning focused app and If you're comfortable with self-hosting, it's something that you can do as well.
You can play around with it here. https://lnbits.com
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