Well I don’t know how you’re being treated in Magento.
But Magento allows you to have 2 or more stores in the same facility, to register a new store access the admin tab System/ Manage Stores.
If you have the same products in both stores it pays to create a vision, vision and as another language, Oce could change prices etc because the same product would be in both vision.
Now if it is different products, with different segments as you have been ideal is to actually create stores.
After having this part of store or view created, access the means of payments.
When in a payment medium change the scope as per image
for which view or store want to set the differences, so you can say that both have the same means of payment with differences.
It is also possible to install differentiated checkouts for each view or store in the same way, in one store or view you activate the new checkout and in the other disables, if you want new checkouts click here