What payment-gateway stack should an Estonian Magento store run?

Standard Estonian Magento gateway stack, ranked by share:

• Bank-link via Maksekeskus, covers Swedbank + SEB + LHV + Coop Pank in one integration. The default for ~60% of EE shoppers. Free Magento 2 module from Maksekeskus.
• Stripe (EE region), for international card customers, especially e-Residency-founded companies selling outside Estonia. Apple Pay + Google Pay come bundled. Official Stripe Magento module.
• Klarna, popular for fashion + furniture, native Buy-now-pay-later. Big in Estonia because Klarna is dominant across the Nordics and Estonians shop cross-border a lot.
• Paysera, Lithuanian PSP with Bank-link + cards + 25+ EU payment methods. Good Baltic 3-country (EE + LV + LT) coverage.
• PayPal, still meaningful for e-Residency-international customers (US / UK buyers).

For a Tallinn-local store, Maksekeskus + Stripe is enough. For an e-Residency-founded store selling globally, add PayPal + Klarna. For Baltic 3-country, Paysera covers all three.