Online Payment Tools

Hi all

I'm developing a small website to manage a monthly competition that I run.

Im trying to find options for taking payments online and would appreciate any feedback you may have on the various options.

Ive looked at PayPal and could use it but have a couple of issues with it:
- Users need to setup accounts etc. Some of these users wouldnt be too savvy or would not go through the process of setting up paypal

- Ive read horror stories on the web about how PayPal can simply lock your funds for upto 3 months.

So what I am really hoping for is a nice easy way to take a payment online, preferably without the need for users to gegister or create accounts etc.

The payment would be going into a private current account - i.e. this isnt a business .. yet I hope ;-)

Any feedback at all much obliged.