Payments Mangement & catalog

[Al2000]

Hi

I'm looking for a php based payment management with a catalog.
Payment side has to have option to pay in installments,
like on a schedule, charge for late payment based on a preset formula,
flag due payments, Catalog has to have category, up 3, and 3 levels of sub categories.

I do not mind paying for it, but It has to include all source,
so we can customize it.
I downloaded a bunch of the carts online, and none come close.

Any recommendations would be appreciated, I did look around,
oscommerce was the closest to catalog

Thanks
Al2000