traditional Tallinn, Estonia
ESTO
ESTO is a Baltic BNPL and consumer-credit provider offering Pay-in-3, Pay-in-30-days, hire-purchase up to 72 months, credit lines, consumer loans and merchant payment acceptance. Operates in Estonia, Latvia and Lithuania via three locally regulated entities and states a network of 600,000+ shoppers and 2,000+ merchants.
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Fees from
3-5% for BNPL transactions
Settlement
—
Coverage
3 countries
Payment methods
4
Dev tools
Sandbox Webhooks
Fees shown are indicative, not a binding quote. Always verify directly with ESTO before signing.
Best for
Baltic merchants offering buy-now-pay-later, installments and pay-later checkout
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