I’m not entirely sure if this falls under art design but it sounds right to me. I’m new to this whole particle texture business so how do I design and upload particle textures?
for designing i recommend paint.net (that is its name not where you go to download it download it at getpaint.net because its free and easy to use. In studio go to view and open Game explorer not the regular explorer, click on images and click add assets and upload your particle image. Insert whatever type of particle emitter thing and in its properties and change its texture property to the image you uploaded from the drop down menu hope it helped 
For instance if I want electric particles, do I simply find one on google images, open it on paint.net and save it as a png file?
Most of google images are in a png file if you want to use images on google you could always include ‘png on what specific particle effect your trying to use then go from there, you can produce effects in many painting apps including Inkscape - gimp. It’s not hard to learn depending on what effect your wanting.
There are sites that provide transparent texture images that you can find with a quick search, uploading your texture is a easy process and not something complicated to understand. As for answering your question; particle transparent images are most likely already as a png file you can just simply download one and upload it to Roblox.
If you do produce your own particle textures size it properly to fit on whatever your making, if you consider getting some from sites there is information let you know if your allowed to use there images within your projects.
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Try making your own and saving it as png