No website? No problem.
You do not need an e-commerce store to offer ESTO. Take instalment payments right at the counter with ESTO Spot, or send a payment link from your phone. Same upfront payout, same zero risk.
- No e-commerce store required
- Counter tablet or payment link
- Paid in full, upfront
Sell on instalments at the counter.
Pick whichever fits your shop. Both run on the same ESTO account, with one set of payouts and one portal.
ESTO Spot counter tablet
A ready-to-go tablet on your counter. Staff enter the amount, the customer applies on the spot and signs digitally — approved in seconds.
No integrationPayment links
Generate a payment link from your phone or the portal and send it by SMS, email or chat. The customer pays from anywhere — perfect for phone orders and services.
No website neededThe whole counter, on one tablet.
ESTO Spot turns any physical store into an instalment-ready shop. We deliver the tablet set up and your team is selling the same day — no developers, no POS integration, no hardware project.
- Delivered pre-configured, ready to use
- Customer applies & signs on the spot
- Decision in seconds, goods handed over
- Works alongside your existing till
From “I’ll take it” to paid, in under a minute.
Enter the amount
Staff type the purchase total into ESTO Spot or generate a payment link.
Customer applies
They identify with Smart-ID or Mobile-ID and choose how to pay.
Instant decision
ESTO returns a real-time credit decision and the contract is e-signed.
Hand over the goods
Approved — the customer walks away and ESTO pays you in full.
Add ESTO payments to your checkout.
Send us some info about your store, and our agent will get in touch.
Get in touch
Message sent
Thanks — a partnership manager will email you within one business day.
Sell on instalments — no website required.
Our team sets up ESTO Spot and your account so you can start the same week.