Estonia
ESTO Group provides smart payment options for businesses and shoppers across the Baltics, with its headquarters in Estonia. The company offers checkout tools like ESTO 3 for splitting payments and Pay Later options, both fee-free, catering to consumers, e-commerce merchants, retail customers, and various niche markets including health, beauty, travel, and home renovation.
Founded in 2017, ESTO Group offers a diverse range of services such as Buy Now, Pay Later, consumer loans, and a variety of specific loans, including vehicle and health loans. It operates on a B2B2C, embedded finance, and platform business model, generating revenue through service fees, usage-based charges, and transaction fees. Their solutions are designed to make buying and selling both smooth and flexible.
