Assuming you're not worried about having any meaningful security--IE, just as a proof of concept learning project--you should be good to go. PHP and MySQL would be fine., working from scratch. For anything to actually use, I'd take advantage of something others have worked on for some time, that's been proven by handling actual people's money.
"The computer can't tell you the emotional story. It can give you the exact mathematical design, but what's missing is the eyebrows." - Frank Zappa