What is ESTO?
{{Infobox company | name = ESTO | type = Private | industry = Consumer finance | founded = 2017 | hq_location_city = [[Tallinn]] | hq_location_country = [[Estonia]] | key_people = Mikk Metsa (CEO), Martin Ustaal, Mikk Mihkel Nurges (Head of Product) | num_employees = up 10 | num_employees_year = April 2022 | website = http://www.esto.eu }} '''ESTO''' is a financial technology company that offers different payment options for B2B and B2C clients in the Baltics: from payments facilitation and BNPL solutions to consumer loans. The company was founded in 2017 in [[Tallinn]], Estonia and has since expanded to have offices in four other cities all over the Baltics. ESTO has developed several products including ESTO Checkout for B2B merchants; ESTO account, a consumer digital banking product, and ESTO Market, a shopping and marketing platform - for B2C clients.<ref>{{Cite web|title=MeetFrank|url=https://app.meetfrank.com/company/esto-as|access-date=2023-05-25|website=app.meetfrank.com}}</ref><ref>{{Cite web|title=Miks usaldab üle 500 e-poe ja kaupluse Eestis just ESTO makselahendusi?|url=https://www.aripaev.ee/sisuturundus/2021/04/20/miks-usaldab-ule-500-e-poe-ja-kaupluse-eestis-just-esto-makselahendusi|access-date=2023-05-25|website=Äripäev|language=et}}</ref><ref>{{Cite web|title=4 aastaga 1200 poodi ja kauplust – kuidas võitis Eesti üks suurimaid makselahenduste pakkujaid, ESTO, oma partnerite usalduse?|url=https://arileht.delfi.ee/artikkel/94986307/4-aastaga-1200-poodi-ja-kauplust-kuidas-voitis-eesti-uks-suurimaid-makselahenduste-pakkujaid-esto-oma-partnerite-usalduse|access-date=2023-05-25|website=Ärileht|language=et}}</ref> The company has partnerships with over 2000 merchants in the [[Baltic states|Baltics]], including major retailers such as IDeal and JYSK.<ref>{{Cite web|last=Mintos|title=Mintos|url=https://www.mintos.com/en/lending-companies/ESTO/|access-date=2023-05-25|website=www.mintos.com|language=en}}</ref> In 2021, ESTO opened representative offices in Lithuania and Latvia,<ref>{{Cite web|title=Mi