How Do I make Wallpapers & Games to Publish to the Android Market?

[Pebbles]

I dont mean Live moving wallpapers, Just basic photography pictures, & what about games? Nothing too fancy lol, something like spot the differences, memory, basic, etc?? && IF I charge for them how Do I connect that with a Debit Card??? I HOPE it wont be too complicated, but Im A great photographer & semi computer smart . Please HELP