If you want to set up a secure members area, OpenCrypt is a great resource. It is surprisingly user-friendly to the non-techy and the OpenCrypt team offer fast and efficient help and support if you get stuck. It's also ideal for anyone in eCommerce and integrating your chosen payment system is easy. As a user, you can keep it simple or do all sorts of great stuff with it, such as creating personalised pages for your members and it practically runs itself. All in all, well worth getting.