Most credit card processors I have used have a 28day minimum on them, merchant accounts for handling credit card processing for shops pay out at the end of the month – in that context 14 days is fantastic.
it appears to be loading fine on my pc with chrome, no long delays between pages at all.
one thing I would say is that the homepage sidebar is a lot longer than the main content, shouldn't you have more main content or less sidebar content to balance the two out?
php is a compile on execution scripting language that should be run by a HTTP daemon, while daemon php apps are possible until you explain specifically why php is the only programming language you can use I would strongly recommend against using it for your needs.
I use vb.net from time to time, BASIC and C were among the first computer languages I learnt and I transitioned from them to Visual Basic and then on to C++ and more recently in the past five years Java & JS, PHP, Obective-C (forced into due to iOS development) and Python.
It still surprises me...