Accepting credits cards

Hello

Does anyone here operate a business accepting credit cards using Montenegrin banks?  I have been reading bank websites about POS terminals and ecommerce solutions. Was curious if anyone has personal experience.

I would like to confirm fees and quality among banks. It looks like transaction fees run at about 3%, but I don't see information on equipment costs or monthly service fees.

Any observations or recommendations would be appreciated. Specifically, we be interested in wireless card swipe and website payment options.

Eduardo