Flexible Payment Offerings ESTO’s core services focus on providing flexible, fee-free payment solutions such as payment splitting and pay later options, which appeal to both merchants and consumers seeking convenience and no additional charges. This flexibility positions ESTO well for partnerships with merchants looking to enhance their customer payment experience.

Market Expansion Potential Operating across Estonia, Latvia, and Lithuania with a strong presence in the Baltic region, ESTO offers an attractive platform for expansion into neighboring markets or similar European regions where demand for seamless payment and promotional solutions is growing.

Tech-Driven Payment Solutions Using a modern tech stack that includes GraphQL, Snowflake, and Cookiebot, ESTO is leveraging advanced data analytics and security, enabling it to innovate continuously. This technological edge makes ESTO a compelling partner for businesses seeking reliable and innovative payment technology integrations.

Customer Engagement Platforms With marketing tools like ESTO Market and ESTO Deals, the company actively supports merchants in customer acquisition and retention. These platforms facilitate targeted marketing and promotional activities, which can be further expanded through strategic partnerships or new feature integrations.

Growth Opportunities With a revenue range of up to $10 million and a dedicated team of up to 200 employees, ESTO appears to be in a growth phase, making it an opportune partner for investors and solution providers interested in the expanding financial services and fintech landscape in the Baltic region.