There are many scripts available which can control access to paid area. The complexity varies from the most complex to absurdly simple depending on what you intend to do eventually.
Look through script repositories for Web access and you will find plenty.
The files intended for the paid users will be stored upstream of the server document root so normally the server can't access the contents. The CGI script, on authentication can 'read' the contents and deliver to the paid user.
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