Delivery and Payment

Payment Methods

• Esto 3 Payment Option - Pay in 3 equal installments, with no extra fees!
• Esto Hire Purchase - €0 contract fee!
• Bank transfer - The most popular payment solution in the Baltics for private individuals: Swedbank, SEB, Luminor DNB, Luminor Nordea, Visa, and Mastercard.
• Bank transfer (for legal entities) - The most popular payment solution in the Baltics for businesses: Swedbank, SEB, Luminor DNB, Luminor Nordea, Visa, and Mastercard.

ESTO 3 Payment Option

ESTO 3 is the most popular next-generation payment method. Split your purchase amount conveniently into 3 equal installments. Get exactly what you need with no interest, no extra fees, and no down payment.

You can use ESTO hire purchase both in the online store and at the showroom.

How it works:

1. Add your desired products to the shopping cart.
2. Select Esto 3 as the payment method.
3. You will receive a decision in real time.
4. If approved, confirm your purchase.
5. ESTO will send you your first invoice on the 15th of the following month.

The financial service is provided by ESTO AS. Before signing the agreement, review the terms and conditions and, if necessary, consult a specialist. More information: www.esto.eu

ESTO Hire Purchase

ESTO hire purchase is a flexible payment solution that allows you to conveniently split your payment into monthly installments. Divide your purchase amount over a period that suits you.

The repayment term and down payment amount can be selected during checkout when you choose ESTO hire purchase.

You can use ESTO hire purchase both in the online store and at the showroom.

How to use ESTO hire purchase:



1. Add the desired products to your shopping cart.
2. Select ESTO hire purchase as the payment method.
3. Choose your preferred repayment period from 3 to 60 months.
4. You will receive a decision in real time.
5. If approved, digitally sign the agreement using your ID card, Smart-ID or Mobile-ID.

The financial service is provided by ESTO AS. Before signing the agreement, review the terms and conditions and, if necessary, consult a specialist. More information: www.esto.eu

Example of annual percentage rate (APR):

The annual percentage rate for ESTO AS hire purchase is 23.63% under the following sample terms: credit amount €1,490; price of goods/services €1,490; down payment 0%; fixed interest rate 11.90%; contract fee €0; total amount of credit and repayments €1,844.64, assuming the credit is repaid over 24 months in equal monthly installments of €76.86. Review the terms before signing the agreement and consult a specialist if necessary. Hire purchase is provided and managed by ESTO AS.

Delivery Methods

Aquaphor Online Store Delivery Methods

We offer three delivery options:

• Omniva Courier - Delivers your order directly to your specified address. Delivery time 2-10 business days.
• Omniva Parcel Machine - A convenient and fast way to receive your order. Delivery time 2-10 business days.
• Aquaphor Showroom - Free, pick up in person. Showroom open Mon-Fri 8:30-17:30.

Delivery fees and times may vary depending on the product. Exact delivery costs and terms are shown when placing the order.

The Seller is not responsible for any damage or delays caused by circumstances beyond the Seller’s control.

Order Collection

• Upon receiving the order, the Buyer must immediately check whether the products match the order.
• If the products do not match the order and/or the packaging shows visible damage, the Seller must be notified immediately.