So... What is your actual problem (not 'need checkout' but 'settings re not working for ****')? What part isn't working? What settings have you got set up now for PayPal and credit cards?
If you can't answer those or don't know where to get that information, then you are going to find it very hard/impossible to do this yourself, even with help from here.
Oh, and one thing to remember with credit cards is that there's some very strict regulations on taking credit card payments online, so you might want to check out what you need for proper PCI compliance.