I am looking to get my .htaccess file to redirect only certain pages/folders to https and when it is not the web pages that should be encoded it should shoot the consumer the the http page. Also I must have the ability to list certain folders that may be either HTTP or HTTPS

Here's what I attempted using writing up myself. But appeared not to work all properly.

<IfModule mod_rewrite.c>
RewriteEngine on
RewriteBase /

RewriteCond %{SERVER_PORT} 80
RewriteCond $1 ^(myaccount|payment\.html)
RewriteRule ^(.*)$ https://www.domain.com/$1 [R=301,L]

RewriteCond %{SERVER_PORT} 443
RewriteCond $1 !^(myaccount|payment\.html)
RewriteRule ^(.*)$ http://www.domain.com/$1 [R=301,L]
</IfModule>

You are checking a literal $1 inside your RewriteCond designs. It ought to be:

RewriteCond %{REQUEST_URI} ...stuff to match against here...

This will do what you would like.

RewriteCond %{SERVER_PORT} 443 [NC]
RewriteCond %{REQUEST_URI} !^/(myaccount|payment)\.html [NC]
RewriteRule . http://www.domain.com/%{REQUEST_URI}/ [R=301,L]