iPayPDQ was founded in 2008 by Murat Ülker, Garth Mulholland and Ghassan Aboud, three former bankers who recognised that businesses were being held back by excessive terminal costs, inflexible contracts and overpriced merchant services. Their vision was simple: give merchants control, lower the cost of acceptance and remove the barriers created by traditional acquiring models.

Today, iPayPDQ delivers a complete, acquirer-agnostic payments ecosystem. We enable businesses to take payments in person, online, over the phone and by invoice, with rapid onboarding, flexible terms and consistently low processing rates. Our platform supports all major card schemes and digital wallets, including cryptocurrency and Bitcoin wallets, allowing merchants to accept payments however their customers choose to pay.

Because we are not tied to a single acquiring bank, we act solely in the interests of our clients — securing the right solution, the right contract structure and the most competitive commercials for each business.

The group structure extends beyond core merchant services:

• CBD Payments – our specialist high-risk and crypto division, providing compliant payment solutions for sectors that traditional providers will not support, alongside our full cryptocurrency acceptance infrastructure. 

• FlowQ is the Group’s proprietary liquidity and settlement engine, developed to optimise the routing of both fiat and digital-asset transactions across our global acquiring network. It enhances approval rates, accelerates settlement, improves treasury efficiency and enables seamless multi-currency and cryptocurrency acceptance for merchants operating in domestic and cross-border markets.

• iPayPDQ Training – our UK Government-backed sales and marketing training operation, equipping new talent with practical, revenue-generating skills for the modern payments and fintech environment.

The result is a global payments partner built on independence, speed, flexibility and sector expertise — designed to reduce cost, increase acceptance and give merchants complete control over how they get paid.