I am wanting to build a very, very basic site
and
users make an online payment for (something), and that (something) is sold to them automatically
This is not basic. Basic is a static website, such as a "brochure website", where content changes only when you manually change it.
Introducing a dynamic element introduces complexity, because unless you're running an e-commerce website (where many off-the-shelf platforms exist for you to choose from), you're going to need an element of coding in PHP, J2EE or other tool of your choice.
For example, take "payment for (something)" .... you've admitted yourself that you don't have many technical skills. So storing and processing credit card details yourself is a non-starter. This means you will have to integrate with the Developer APIs of a PCI DSS accredited payment platform (such as Worldpay, Paypal etc. etc.) who will process and securely store credit card details on your behalf.
that (something) is sold to them automatically
If that "something" is fairly standard .... for example, selling a PDF eBook, then there will be plenty of ready made off-the-shelf solutions out there.
However, something more niche and unique like the 'Million Dollar Homepage' you refer to was almost certainly not an off-the-shelf endeavour.
Please don't get me wrong, I'm all for encouraging new internet endeavours. But your time may be better spent looking for a developer to work with, even if that means paying them some money..... after all, if you can't forecast a way to break-even after paying someone to work on your website, is your business endeavour viable ? Or were you after something more modest than making a million dollars out of it ?
If you do go down the developer route, make sure you do your homework carefully. There are a lot of cowboys out there who simply work off templates and standardised solutions, they tend to get a bit flustered when you ask them to do something they can't recycle some pre-existing solution for. Take a good look at their portfolio, if all you see is template based standardised tosh, walk away.