If you wish to set up pricing that only members can see, one thing that you can do is to set up two different categories of products, then make two different product listers - one which lists only the non-member prices which will be visible to everyone, and the other which lists the member prices and is restricted to be visible to members only.
To do this, first make a copy of each product, then alter the price to the special members only pricing. Once this is done, you will need to assign each product to a category, either ‘Members’ or ’NonMembers'. Now that that is done you will have two copies of every item - one with a members price and another with a price for everyone else.
Next what you need to do is go into Green > Layouts > Modules > copy the product lister that you are using > edit the original lister’s filter field to be ‘category.eq.NonMembers’ > edit the lister copy’s filter field to be ‘category.eq.Members’ . Also, check the box that says ‘Blue can embed'. You will now have two listers, one of which only displays the member pricing, and the other which displays only the non-member pricing
The next step is to set up some membership restrictions so that nobody but members can actually see the lister. Go to Orange (blue in older freedom distributions) > Membership > Restrictions > New > Give it a name. Here I will use ‘Members’. Now go to Membership > Categories. You will have to edit every member category that you want to be able to access the special pricing, and tick the checkbox which allows users in that category to have access to the ‘Membership’ restriction.
Finally, you have to set up a page which displays the new lister (the old lister should still be wherever it was, just only displaying non-member items). Go to Blue > Web Pages > New > in the wysiwyg type in [[layout.products_lister_copy]] (or whatever you decided to name the member price lister) > now where it says ‘Membership Access’, choose ‘Members’.
You should be good to go at this point. Please note that when testing this, you should use an incognito window or a different browser to ensure that the back-end login doesn’t interfere with the access restrictions.
I realize that this is not the best solution when dealing with large amounts of products, but for sites with small product catalogs, this setup will take about ten to fifteen minutes. If this solution is unsuitable for your needs please let me know and I will attempt to find another solution to this problem.
Regarding your second issue of having different payment options for members and non-members: I will have to look into this a little further as nothing is jumping out as an obvious way to implement this. Apologies for not having an answer for you at this moment.