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You could check if the player loses $100 in a pay n spray, and check if they are in a pay n spray range. If they are, use your server-sided money function.
As for transfender, there's a function called OnVehicleMod I believe. Simply choose the component ID and charge the necessary price.
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Having a 1-second timer and checking their position, and comparing it can be intensive, and create lag. (It could maybe work using a threaded plugin, but SA-MP / PAWN isn't threaded.).
Just save vehicle modification / health data, and then when it changes, check if their health also has lost $100 or whatever(and also maybe near the according shop type).