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If you drop me a message I can put you in touch with a couple of gateways that can help you with this, you can even combine it with woocommerce payments at 1.2% + 20p woocommerce subscriptions can handle the subscription software side of it
There is two options I would say:
Old school technique revenue from adsense if you get enough traffic to your website
Provide information and be a point of contact for consultation etc
Anyone seeing this will know the pain of waiting weeks wasting time with the major mainstream banks. I would save wasting time and forget about them. There is literally two choices you have, they do have slightly higher fees but your options are limited.
The banks will need to see a website so...
One thing to consider for the prize competition websites is the misconception around the questions and free postal entries.
If skill based - This needs to be a question or game that rules out a significant number of players, so a simple question that you see on a lot of websites doesn't cut...
If ransomware is already on the system thats a different story.
But defending to prevent the best defence firstly is educating staff to not just click on any old email attachment or link.
Then ensuring your firewall is locked down to ports that are needed and not having ports like RDP wide...
Quick look at the headers of the email will tell you the original source of the email and will help you identify if its real. I use this to analyse email headers (mha.azurewebsites.net)