My opinion:-
A great starter (infact, any time) implant is the NExT.
https://dangerousthings.com/product/next/
It will do everything you have asked for and more with the exception of payments ( except it can, but can’t… this is a larger topic, just have search through these forums and you will understand what I am saying / implying)
here is a starter for you
(Making payments with an implant)
All this in one implant!
Free postage when you purchase it.
Contains a modicum of technologies that will cover most bases.
It is an x-series injectable implant, self, friend or Piercer.
link to partner piercers
(https://dangerousthings.com/partners/)
Anyway, that’s my opinion and my recommendation for you.
Any more questions, just search these forums and if you dont find your answers, just ask…
Good luck