I've been googling it for a while and I can't find anything interesting. I do have a friend who is a genius with php/mysql etc but I don't think he'd be up for doing it for free if you see what I mean.

When you say Paypal is not easy enough... can I just point out they have recently updated their service. You no longer need a paypal account to send money - so anyone donating can just enter their credit card details, as they would have to do anyway.

Regards
Dave