This is a two part question.
- How does the implementation of SFTP differ over FTP? (Account Creation, Setup of connection)
- Is it more expensive (in terms of time/cost) to do so?
In this scenario I am using user credentials for authentication.
SFTP is a completely different setup than FTP. SFTP is a FTP over a SSH tunnel, usually using the sftp-server thats part of openSSH.
You set this sftp-server up like any other SSH connection:
Now if you mean FTPS instead of SFTP, than you have a FTP connection with TLS security. This is (i.m.h.o) a pain to setup and use. you have to get a certificate, setup a FTPS server (I know of no secure one I would run myself) Setup users, setup permissions, setup storage location. Just like with plain FTP.