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.

Credit

FinTech

Marketplace

Payments

ESTO Group

This department focuses on designing, creating, and maintaining software applications and systems.

Software Development

This department focuses on driving revenue through both business-to-consumer and business-to-business sales and marketing strategies.

Sales and Marketing

This department focuses on identifying growth opportunities and building relationships to drive revenue.

Business Development

This department handles all legal matters, providing guidance and support on compliance, contracts, and risk management.

Legal Affairs

This department oversees the development and lifecycle of products, ensuring they meet market needs and align with business goals.

Product Management

This department focuses on managing sales strategies and developing partner relationships to drive business growth.

People (6)

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Other teams

Sales and Marketing

Business Development

Legal Affairs

Product Management

Sales and Partnerships