ESTO is the preferred payment solutions provider in the Baltics, revolutionising the way merchants sell and consumers buy. ESTO has almost 500,000 active customers and over 3,000 partner stores across the Baltics. ESTO's mission is to help partners sell and customers buy.

If you need help, contact an ESTO AS employee at info@esto.ee or visit https://esto.eu/ee/kliendile-klienditugi.

ESTO Pay later is the new way to pay for your purchases. You keep the purchase amount, you only have to pay within 30 days. Get exactly what you need with no interest, no surcharge and no deposit.

Use ESTO Pay Later in e-shops and physical stores. You can find all ESTO partner shops on ESTO Market: https://esto.eu/ee/esto-market

If you choose ESTO Pay later as the payment method, the order will be confirmed immediately, but you don't have to pay immediately as the payment deadline is 30 days later.

1. Add the products you need to your shopping cart.
2. Select ESTO pay later at the checkout.
3. Get the decision in real time.
4. In case of a positive decision, confirm the purchase.
5. ESTO will send you an invoice, which must be paid in full within 30 days.

The financial service is provided by ESTO AS. Before you sign a contract, you should read the terms and conditions and, if necessary, consult a professional. For more information, visit www.esto.ee.

ESTO 3 is the most popular new generation payment method. Conveniently divide your purchase amount into 3 equal parts. Get exactly what you need without interest, surcharges and deposits. 

Use ESTO 3-Part Payment in e-shops and physical stores. 

You can find all ESTO partner shops on ESTO Market: https://esto.eu/ee/esto-market

By choosing ESTO 3 as your payment method, you can split the total payment into 3 equal instalments over 3 months without any fees. 

1. Add the products you need to your shopping cart.
2. Select ESTO 3 as payment method at the checkout.
3. Get the decision in real time. 
4. In case of a positive decision, confirm the purchase. 
5. ESTO will send you your first invoice on the 15th of the following month.

The financial service is provided by ESTO AS. Before you sign a contract, you should read the terms and conditions and, if necessary, consult a professional. For more information, visit www.esto.ee.

ESTO instalments are a flexible payment solution that allows you to conveniently split your payment into monthly instalments. Conveniently spread the purchase amount over a period that suits you. You can choose the period and the amount of the instalment when you make your purchase by choosing ESTO instalment payments from the checkout.

Use the ESTO instalment plan in e-shops and physical stores. You can find all ESTO partner shops on ESTO Market: https://esto.eu/ee/esto-market

1. Add the products you need to your shopping cart.
2. Choose ESTO hire purchase as payment method at checkout.
3. Choose your preferred repayment period between 3-60 months.
4. You will receive your decision in real time.In case of a positive decision, digitally sign the contract with your ID card, Smart-ID or Mobile-ID.

ESTO hire purchase is offered and managed by ESTO AS. The annual percentage rate of charge for the hire-purchase credit from ESTO AS is 23.63%, based on the following model conditions: amount of credit 1490 EUR, cost of goods/services 1490 EUR, 0% down payment, fixed interest rate 11.90%, contract fee 0 EUR, total amount of credit and repayments 1844.64 EUR, assuming that the credit is repaid in equal monthly instalments of 76.86 EUR within 24 months. Please consult the terms and conditions before signing the contract and, if necessary, consult a specialist. The instalment facility is offered and managed by ESTO AS.