internet lobby middleware for turn-based game

Hi,

I want to develop a simple turn-based game for Symbian which will connect to a server over the internet. A bit like multiplayer chess.

Is there an out-of-the-box solution (middleware) to handle security, chat, games rooms, payment etc.. Or alternatively is there any free open source examples that cover all these areas?

I have limited finance so can't afford a large commercial solutions, also it may not be a success anyway.

Any advice/experiences welcome..
Thanks,
Chris.