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I don't have a recommendation...
if it were me though, I'd focus on what you're focusing on... customers/members and payment processing...
So to me, that's an eCommerce solution first and foremost...
For Joomla there are plenty of carts to look at and I would argue that the default Joomla users/member functionality is superior to WordPress'.
Virtuemart, ecwid, mijoshop, reshop, etc
There are plenty of carts and advanced user management systems for Wordpress as well...
WooCommerce... uh... some others I'm sure 
But you may be plenty happy with a more managed/hosted solution in Shopify or BigCommerce as well... it all depends how involved/customized you want/need to be...
Magento is the best open sourced full-suite of eCom tools out there IMO... but it might be overkill for what you're trying to do. It can handle all your users/customers needs and it has recurring payments/subscription management built-in for PayPal processing.
OpenCart is cool too 
Good luck!
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