Sell more.
Get paid upfront.
Offer the buy-now-pay-later options shoppers love — alongside cards, bank links and digital wallets. One integration covers every way your customers want to pay.
Grow with ESTO.
More sales, higher conversion, bigger baskets, and capital to grow.
Grow sales
Offer every way to pay and reach 830k+ ESTO shoppers across the Baltics — more orders, online and in store.
See payment methodsLift conversion
Flexible checkout turns hesitation into purchases. Shoppers decide in seconds; you're paid in full.
Ways to payGrow basket size
Let customers split bigger purchases over time. Average order value climbs while your risk stays at zero.
How it worksGet funded
Need capital to stock up or expand? Business loans from the same partner — decision in days.
Get fundingOne subscription. Every way to pay.
Switch on ESTO checkout once and your customers unlock all of this — online and in-store. One integration, one contract, payouts twice a week.
Pay in up to 60 parts.
- Up to 60-month terms
- Optional 0 % APR campaigns
- Boosts average order value
Pay in 3 equal payments.
- Three equal payments, no interest
- No added cost to your customer
- Great for 100–500 € baskets
Pay within 30 days.
- 30-day deferred payment
- No added cost to the customer
- Lifts impulse conversion
ESTO Pay
Pay in full, instantly with banklinks, cards, or wallets.
What paying with an ESTO BNPL method looks like.
A fast, familiar checkout your customers already trust — from choosing a plan to walking out with the goods, in minutes.
- 1
Paying with ESTO
In your webshop or in-store, the shopper picks an ESTO plan as a payment method.
- 2
Filling the application
They complete the ESTO Purchase Flow on their own.
- 3
Signing the contract
ESTO returns a credit decision and the customer signs the contract digitally.
- 4
Completing the purchase
After a signed contract, hand over the goods or services. ESTO pays you the full amount upfront.
Bring ESTO to your counter.
A single tablet at your counter that turns browsing into financing. The customer picks a plan, your staff build the order, and the application is completed and approved on the spot.
- Real-time credit decision at the counter
- Hire purchase, ESTO 3 & Pay Later in one device
- Customer signs on phone or tablet
Customer picks a plan
On the counter tablet they browse ESTO 3, Pay Later and Hire Purchase, then tap the one they want.
Staff build the order
An employee adds the items and amount — plus the customer’s contact details if needed — and confirms the plan.
Scan to apply
A QR for that exact order appears. The customer scans to apply on their phone, or fills it in right on the tablet.
Instant decision
ESTO returns a real-time answer. Once approved, the store hands over the goods on the spot.
The Baltics' most-used way to pay.
Fast funding for growing businesses.
Term loans for businesses ready to grow. Any company can apply — no existing ESTO relationship needed — and get a clear offer fast, with a simple online application and a quick decision.
Stock & inventory
Buy ahead of peak season without straining cash flow.
Equipment
Upgrade tools, fit-out or tech that pays for itself.
A new location
Open the next store or expand into a new market.
People buy more when they can pay their way.
ESTO turns hesitation into checkout — and one-time buyers into regulars.
Up and running in hours, not weeks.
One simple path whether you sell online, in store, or both.
-
Tell us about your business
Fill out a short form. A dedicated account manager gets back to you within one business day.
-
Get set up
Add ESTO to your webstore with a plugin or a code snippet. For physical stores, we do in-person training and install marketing materials.
-
Start selling
ESTO appears wherever you sell. Customers apply in seconds, and you’re paid in full — with payouts twice a week.
We set you up — in store and online.
From day one you get the full ESTO marketing kit. In physical stores we deliver and put up the stickers, wobblers and stands; online we send custom banners, payment-method logos and an instalment calculator — and re-supply whenever you need.
Physical store
Door & floor stickers, wobblers, table stands, booklets — installed for you.Online store
Custom banners, payment-method logos and a monthly-payment calculator.
Add to your webshop.
On your webshop, a custom shop, or a physical store with no website — there's an ESTO integration for you. Most merchants are live within hours.
// Create a purchase, redirect the shopper
const res = await fetch(API + '/purchase', {
method: 'POST',
body: JSON.stringify({
amount: 249.00,
currency: 'EUR',
methods: ['esto_3', 'pay_later', 'card']
})
})
Built for merchants who want to sell, not chase payments.
Get paid upfront
ESTO pays you when the contract is signed. Consumer repayment is our problem, not yours.
No risk to you
We handle credit decisions, risk and collections. You just sell — bad debt never hits your books.
Baltic expertise
We know EE, LV and LT — local regulations, local payment habits, local support in your language.
Real support
A dedicated partner success manager, not a chatbot. We are invested in your growth.
Partners sell more with ESTO.
Real outcomes from ESTO merchant case studies across the Baltics — from bigger baskets to a wider customer base.
Figures from individual ESTO merchant case studies; results vary by sector and campaign.
Payouts run twice a week as standard — you receive the full purchase amount upfront, minus the per-transaction fee, while the customer repays ESTO over time. On Boost and Pro plans you can switch to daily business-day payouts.
Every payout comes with a statement in the partner portal, itemised by order reference — each settlement maps 1:1 to your orders, so bookkeeping takes minutes, not afternoons.
A transparent per-transaction fee — no setup fee, no monthly minimum, no early-termination clause. The exact rate depends on the product mix (short splits cost less than long-term financing). Your contract states the same terms you see on the pricing page.
In the ESTO Partner Portal — live orders, payout statements, marketing campaign tools and your contract terms in one place. Every teammate can have their own account.
A plug-and-play Shopify app, a WooCommerce plugin, a stable REST API for custom builds, shareable payment links for merchants with no website, and the ESTO Spot tablet for physical stores that need no integration at all.
Add ESTO payments to your checkout.
Send us some info about your store, and our agent will get in touch.
Get in touch
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