WooCommerce features are modular and completely customisable, allowing you to add unlimited products, orders and users. If needed, you can hire a WooCommerce developer to build your online store with the exact ecommerce options you had in mind.
As for payments, you can sell physical and digital products, bookings, subscriptions, content and more. WooCommerce does not charge for transactions – only your integrated payment provider does. For example, you can link a Square account to your online store and only Square charges a transaction fee.
WooCommerce is not a simple solution, given all its customisations, open-source features and reliance on you to securely host and update the WordPress website. But it is certainly an ambitious contender for total control over your online business.