ESTO Group is a payment technology company with a creditors license from Estonian Financial Supervision Authority. ESTO’s mission is to enable merchants to sell and consumers to buy online in an easy, automated and safe way. ESTO provides a fully automated and tech-driven point of sale purchase financing and payments solution for its network of merchant partnerships in Estonia, Lithuania, and Latvia. ESTO’s business model is to facilitate payments between the client and merchant in an e-commerce setting by providing real time payments for the merchant and payment schedules for the client.