Hi Dida, It's been a while since I did this myself, and I believe that when I did so many years ago, that this was possible with the personal account (which they have renamed to be the Paypal for you option). With this option you are able to set up simple Paypal Buy Now buttons and get the code for these to place in websites so that buyers can use to purchase items with Paypal.
The business option (Paypal for business) was not required unless you needed the extra options/functionality that this allowed, e.g. merchant accounts, etc.
So to sum up, all you need is the Paypal for you account and then look for the option to create your own Buttons to allow people to purchase from you (the payment goes to your Paypal account, so not sure about going to your card).
Hope this answers your question. Sorry that I can't really guide you on how to do any of this, but as I have said it's been a while since I did this myself and at the time the functionality was different to how it is now. Cheers and good luck.