Since you know nothing about programming you have to find a programmer (as a partner or an employee) - because you can't create your app without programming.
This programmer will have a technology he/she is better at or more experienced in than others - that is the technology you will build your app on.
When you have something worth paying for you find a payment service provider - the right choice will depend on a lot of specific details you don't know yet (like number of customers), there are tons of companies in this category each with it's own pros and cons.
Anyway, building the system to have different sub-domain (or even domains) for each customer and interfacing with a payment company is relatively easy for any experienced programmer, most of the work - and the part you should concentrate on - is building and marketing the actual application.