Value proposition

ESTO is the go-to destination for seamless payment solutions, revolutionising the way businesses sell and people buy.

ESTO is the go-to destination for seamless payment solutions, revolutionizing the way businesses sell and people buy. With a strong presence in the Baltic region, ESTO offers a diverse range of products tailored to both B2B and B2C customers.

For merchants (B2B) ESTO provides a suite of checkout: free bank links, fully-automatic hire-purchase option and convenient non-credit buy-now-pay-later solutions. Experience the flexibility of ESTO 3, allowing customers to split payments into three parts without any additional costs. Alternatively, ESTO Pay Later offers a 30-day payment window, eliminating any extra charges. ESTO ́s marketing support, merchant ́s promotion in their channels and access to exciting ESTO Market – the biggest Marketplace for special offers in Baltics are additional bonuses.

Shoppers (B2C) can also take advantage of ESTO's hire-purchase in ESTO partner shops and pay with up to 60 months payment plan and buy-now-pay-later solutions, as well as use flexible credit products like ESTO credit line and small loan. Seamlessly divide payments into three parts with ESTO 3, ensuring affordability without incurring additional fees. For added convenience, ESTO Pay Later allows customers to defer payment for 30 days, all at no extra cost.

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