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ESTO

ESTO

Baltic merchants offering buy-now-pay-later, installments and pay-later checkout

VS

Checkout.com

Global Performance

Checkout.com
Fees from
3-5% for BNPL transactions vs 2.3-2.9% + $0.30 (typical)
Features

0 shared

4 unique to Checkout.com
Regions

1 shared

7 unique to Checkout.com
Pay methods

2 shared

2 unique to ESTO · 33 unique to Checkout.com
On fees

ESTO publishes 3-5% for BNPL transactions from. Checkout.com publishes 2.3-2.9% + $0.30 (typical) from. Verify directly with each provider before signing.

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Show full specs
4 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
ESTO ESTO
Checkout.com Checkout.com
Quick Facts
Fees
Standard transaction rate
3-5% for BNPL transactions
2.3-2.9% + $0.30 (typical)
Settlement
Time to receive funds
—
1–3 business days
Founded
2017
2012
Headquarters
Tallinn, Estonia
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Checkout.com leads (4 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Checkout.com leads (35 vs 4)
Ach Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bnpl Unique
✓
—
Cartes Bancaires Unique
—
✓
Dana Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Eps Unique
—
✓
Gcash Unique
—
✓
Google Pay Unique
—
✓
Ideal Unique
—
✓
Installments Unique
✓
—
Jcb Unique
—
✓
Kakaopay Unique
—
✓
Klarna Unique
—
✓
Knet Unique
—
✓
Mada Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mb Way Unique
—
✓
Mobile Wallet Unique
—
✓
Mobilepay Unique
—
✓
Multibanco Unique
—
✓
Paynow Unique
—
✓
Paypal Unique
—
✓
Przelewy24 Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Twint Unique
—
✓
Venmo Unique
—
✓
Vipps Unique
—
✓
Visa
✓
✓
Wechat Pay Unique
—
✓
Regions
Checkout.com leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

ESTO is best when you...

Baltic merchants offering buy-now-pay-later, installments and pay-later checkout
View ESTO

Checkout.com is best when you...

Global Performance
Need Enterprise
Not available with ESTO
Need Instant Payout
Not available with ESTO
Want coverage in Africa, Asia, Latin America, Middle East, North America, Oceania, Southeast Asia
ESTO doesn't cover these regions
View Checkout.com

Frequently Asked Questions

What is the difference between ESTO and Checkout.com?
They share 2 payment methods and 1 region. ESTO adds Buy Now Pay Later, Installments that Checkout.com does not list; Checkout.com adds ACH, Alipay, Amex and 30 more that ESTO does not list; Checkout.com also covers Africa, Asia and 5 more; only Checkout.com offers Enterprise, Instant Payout and 2 more.
Which is cheaper, ESTO or Checkout.com?
ESTO has published rates from 3-5% for BNPL transactions; Checkout.com has published rates from 2.3-2.9% + $0.30 (typical). Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use ESTO and Checkout.com?
ESTO lists 1 region and 4 payment methods; Checkout.com lists 8 and 35. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do ESTO and Checkout.com compare on integration and settlement?
Checkout.com offers a sandbox, ESTO does not list one; Checkout.com supports webhooks; Checkout.com publishes a settlement time of 1–3 business days.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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