ESTO flexible payment methods

ESTO is the most preferred payment solution provider in the Baltics, making the selling experience for merchants and the shopping experience for consumers revolutionary and seamless. ESTO has nearly 500,000 active customers and over 3,000 partner stores across the Baltics. ESTO's mission is to help partners sell and customers buy.

ESTO POSTPAYMENT

ESTO installment payment is a flexible payment solution that allows you to conveniently divide the payment into monthly installments. Conveniently divide the purchase amount over a period that suits you. You can choose the period and payment amount when completing the purchase, if you select ESTO installment payment at the checkout.

How to use ESTO installment payment?

  1. Add the necessary products to the shopping cart.
  2. Select ESTO installment payment as the payment method at checkout.
  3. Choose your preferred repayment period between 3-60 months.
  4. You will receive the decision in real time.
  5. If the decision is positive, digitally sign the contract with your ID card, Smart-ID or Mobile-ID.

ESTO installment payment is offered and managed by ESTO AS. The annual percentage rate of credit for ESTO AS installment payment is 23.63% per annum under the following sample conditions: credit amount 1490 EUR, cost of goods/services 1490 EUR, down payment 0%, fixed interest rate 11.90%, contract fee 0 EUR, total credit amount and repayment amount 1844.64 EUR, provided that the credit is repaid within 24 months in equal monthly installments of 76.86 EUR. Before concluding the contract, please read the terms and conditions and consult a specialist if necessary. ESTO AS offers and manages installment payment.

ESTO 3 PAYMENT SOLUTION

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

Use the ESTO 3-part payment method in online stores and physical stores.

How does it work?
 By choosing ESTO 3 as your payment method, you can divide the entire payment into 3 equal installments over 3 months without any fees.

  1. Add the necessary products to the shopping cart.
  2. Select ESTO 3 as the payment method at checkout.
  3. You will receive the decision in real time.
  4. If the decision is positive, confirm the purchase.
  5. ESTO will send you your first invoice on the 15th of the following month.

Financial services are provided by ESTO AS. Before entering into a contract, please read the terms and conditions and, if necessary, consult an expert. Additional information www.esto.ee.

Use ESTO installment payment in online stores and physical stores. You can find all ESTO partner stores in ESTO Market: https://esto.eu/ee/esto-market

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