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WordPress have more options for customization: plugins, themes. Also for 3rd part payments they have plugins for better integration. For some of mine sites i use s2member pro plugin, who have 3-4 options for payments, different levels of memberships, drip feed of content, clips, etc.
Joomla is more stable + better security and lot of community/membership sites use this platform. Minus for me is the hard way for on page seo. But for this they have some good extensions.
May be is a good idea to create 2 sample sites - one on WordPress and one on Joomla and to find pros and cons of the two systems.
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