Every way to pay, one integration.
Offer flexible financing and direct payments side by side at one checkout. Customers split the cost or pay on the spot; you're paid the full amount, and ESTO carries the risk.
Your all-in-one checkout.
Three ways to spread the cost, plus direct card and bank payments — side by side at one checkout. Every method pays you the full amount upfront, with ESTO carrying the risk.
Split big purchases into small monthly payments.
- Term: Up to 60 months
- Customer: Interest applies; optional 0 % campaigns
- Merchant: Higher average order value on big-ticket
Three equal, interest-free payments.
- Term: 3 monthly payments
- Customer: No added cost
- Merchant: More conversions on everyday carts
Buy now, pay in full within 30 days.
- Term: One payment within 30 days
- Customer: No added cost
- Merchant: Lifts impulse conversion, fewer abandoned carts
Pay in full on the spot — bank links across the Baltics, cards and wallets, in the same branded ESTO checkout.
ESTO at checkout — on any screen.
Use the trusted, familiar ESTO branding or make it yours. Your customer picks how to pay in a couple of taps.
Fast, secure payments in one integration.
Accept local bank-link payments plus cards, Apple Pay and Google Pay — all through one ESTO integration.
All local bank links
Accept payments from every major local bank through a single integration.
Transparent pricing
Simple, competitive per-transaction pricing you can plan around.
Higher conversion
Fast, familiar payment options mean fewer drop-offs at checkout.
Ready-to-buy shoppers
Reach ESTO's active customer base in your market through a single integration.
Cards & wallets
Accept debit and credit cards plus Apple Pay and Google Pay.
Easy to connect
Add ESTO to your store with no prior IT experience needed.
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.
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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