Due to time restraints, I apologize... but I am able to just give you a basic outline and nothing too detailed. The process is pretty straight forward. Sign up for an account on PayPal's site (either personal or business). Then link a bank account to your PayPal account. Then, link a credit card to your PayPal account. It's all pretty simple and self-explanatory along the way. I'm not sure how to apply family/friend discounts. The folks art PayPal can be reached by telephone (probably 24/7) and are generally very good at walking you through. Good luck.