Master Accounts are the standard type of account used on the PlayStation Network. Sub Accounts will be created based on the age of the account holder. Users under 18 will automatically be creating a sub account and must be created in association with a master account.
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A Master account is just a normal Playstation Account. The related link has a video
To sign up for the playstation network you must have a master account and be 18 years old. To create a master account go to signup.playstation.net.
First you need the master account and then you can follow instructions on related link The links are from Playstation support USA and also cover every PS3 screen that you need to have completed for creating the master account and there is also a separate link for creating the sub account
No. Nobody has to pay for PlayStation 3 online services, such as PlayStation network and online play. Other services, such as Netflix, NHL, and PlayStation Plus each require separate subscriptions. A sub account is for people under 18 and will need to be under a PSN master account. You pay for Playstation Plus service which provides for free games and reduced prices on other games and also an automatic update program. Playstation plus provides extras and is not needed for online play
you can not change it, the account that you using is the master you need to go to another account for it to be master account or you can add other accounts hope this helps.