A Documented Account of Questionable Business Ethics by Credit Card Processing Companies
Companies: APS Pays / Obanc
Website: https://apspays.net
CEO: Wayne Orkin
LinkedIn: https://www.linkedin.com/in/wayneorkin/
Industry: Credit Card Processing / Payment Services
Service Provided: Offshore Staffing Services - Full-time Employee (40 hrs/week)
Duration: 19 Months of Continuous Service
Why This Matters: A CEO of a payment processing company filed chargebacks for staffing services after 19 months of employment, violating contractual termination requirements and affecting a real employee's livelihood - all while continuing to use those same services.
The Facts: I provided staffing services to APS Pays / Obanc - a dedicated full-time employee who worked 40 hours per week for 19 MONTHS. This was not a one-time service or digital product; this was an ongoing employment relationship affecting a real person's salary and livelihood.
Despite the contract clearly requiring 30 days written notice for termination, Wayne Orkin never provided such notice. Instead, the employee continued working, attending meetings with APS Pays / Obanc executives (documented via screen recordings), while Orkin filed chargebacks for services that were actively being rendered and utilized.
My Position: I believe these chargebacks are fraudulent and represent a breach of contract and abuse of the payment processing system by someone who, as a CEO in the payment processing industry, knows exactly how to manipulate such systems.
Staffing Agreement Established
Contract signed for full-time offshore employee (40 hours/week). Contract includes 30-day written termination notice requirement.
Employee Begins Work
Offshore staff member begins full-time work for APS Pays / Obanc, integrated into daily operations and executive meetings.
Continuous Service Delivery - 19 MONTHS
Employee works full-time (40 hours/week) for 19 MONTHS, attending regular meetings with APS Pays / Obanc executives, completing assigned tasks, fully integrated into company operations. Regular payments processed during this entire period.
Dispute Initiated Without Proper Notice
Wayne Orkin begins disputing charges WITHOUT providing the contractually required 30-day written termination notice. Employee continues working and attending meetings.
Fraudulent Chargebacks Initiated
Wayne Orkin/APS Pays/Obanc files chargebacks for staffing services WHILE EMPLOYEE CONTINUES WORKING. No termination notice provided as required by contract. Screen recordings show employee actively participating in APS Pays / Obanc executive meetings during this period.
Dispute Status & Employee Impact
Current status of dispute. Employee's salary and livelihood directly affected by fraudulent chargebacks despite continued service delivery.
Below is the evidence supporting my claims. All documents, emails, and screenshots are authentic and verifiable.
📄 Original Staffing Agreement/Contract
Key clause: 30-day written termination notice requirement
19 months of payment records showing regular, consistent payments for services
Documentation of 40 hours/week worked over 19-month period
CRITICAL EVIDENCE: These recordings prove the employee continued working and attending executive meetings with APS Pays / Obanc WHILE Wayne Orkin was filing chargebacks.
Employee participating in meeting with APS Pays / Obanc executives
Initial agreement to terms including 30-day notice requirement
💳 Chargeback notices filed by Wayne Orkin/APS Pays/Obanc
Show dates filed vs. dates employee was still working
A Payment Processing CEO Filing What I Believe Are Fraudulent Chargebacks - The Ultimate Irony:
Wayne Orkin runs credit card processing companies - businesses built entirely on trust, proper payment handling, and ethical dispute resolution. Yet here are the facts of what I experienced:
The Ethical Violation: This is not, in my view, a legitimate dispute over service quality or delivery. The employee worked consistently for 19 months, attended meetings, completed assignments, and was integrated into APS Pays / Obanc operations. Filing chargebacks under these circumstances - without proper contractual notice and while still utilizing the employee's services - represents what I believe to be a fundamental breach of business ethics.
Questions This Raises About APS Pays / Obanc:
The facts are clear and indisputable. I have fulfilled every obligation under our staffing agreement, and the chargebacks filed by Wayne Orkin/APS Pays/Obanc are, in my opinion, without any legitimate basis.
Our contract was crystal clear: I would provide a full-time offshore employee working 40 hours per week, and APS Pays / Obanc would pay the agreed monthly rate. This arrangement required 30 days written notice for termination. I provided the employee for 19 MONTHS without interruption. APS Pays / Obanc NEVER provided the required 30-day written termination notice.
The employee worked 40 hours every single week for 19 months. They attended meetings, completed assignments, collaborated with APS Pays / Obanc executives, and were fully integrated into company operations. I have payment records, work logs, timesheets, deliverables, and communications documenting every aspect of this employment relationship.
Most damning: I have screen recordings showing the employee actively participating in meetings with APS Pays / Obanc executives DURING the period when Wayne Orkin was filing chargebacks. This proves they were still utilizing and benefiting from the employee's services while simultaneously disputing payment. This is the definition of bad faith.
Chargebacks are meant for situations where services weren't delivered, were fraudulent, or were significantly different from what was agreed upon. None of these apply here. The employee worked consistently for 19 months, meeting the exact specifications in our contract. APS Pays / Obanc has no legitimate complaint about service quality or delivery - in my view, they simply decided they didn't want to pay anymore, violated the termination clause, and abused the chargeback system.
This isn't just about me as a business owner - Wayne Orkin's actions have directly affected an innocent employee's livelihood. An offshore worker who showed up every day, did their job professionally, and fulfilled their duties for 19 months is now facing salary uncertainty because a CEO decided to abuse the payment system.
Email evidence in my possession proves Wayne Orkin orchestrated chargebacks through BOTH his company (APS Pays / Obanc) AND his business partner Julian Lender's company (A+ Dental) for the SAME digital marketing services.
This wasn't a single dispute—this was what appears to be a deliberate, coordinated attack using multiple companies to file chargebacks for the same services provided.
What This Email Shows:
CRITICAL EVIDENCE: The Email
Email from Wayne Orkin to service provider, CC'ing Julian Lender, coordinating chargebacks
This Email Proves:
Email from Wayne Orkin to service provider, CC'ing Julian Lender
If Wayne Orkin coordinated with his business partner to file chargebacks against one service provider, what's to stop him from doing the same to you? The email evidence in my possession demonstrates what appears to be a deliberate strategy, not an isolated incident.
The federal court case described below does NOT involve my company or my dispute with Wayne Orkin.
However, it demonstrates a documented pattern of behavior by Wayne Orkin in the same industry (credit card processing) using remarkably similar tactics:
This is public record information relevant to assessing Wayne Orkin's business practices and patterns of conduct.
Wayne Orkin in Previous Federal Litigation - Public Record
Case No. 4:21-cv-40060-MRG | Wayne Orkin found in CONTEMPT OF COURT and sanctioned $20,000 for embezzling hundreds of thousands of dollars from business partner and attempting to subvert federal court orders.
The following information comes directly from federal court documents in the United States District Court, District of Massachusetts. This is not allegation—this is adjudicated fact determined by a federal judge.
1. Diverted Business Partner's Residual Income
Wayne Orkin's sister, Lisa Albert, incorporated Boost Web SEO at Wayne's request in 2013. From 2014-2021, credit card processing residuals (commission payments from merchants) were deposited into Boost Web's Wells Fargo account. Wayne had day-to-day control while Lisa handled administrative duties.
2. Used Business Funds for Personal Expenses
Wayne had authority to use Lisa's personal Capital One credit card for Boost Web business expenses. Instead, he ran up $26,000+ in personal expenses, maxing out the card while using Boost Web revenue to cover his personal spending.
3. Retaliated When Caught
In April 2021, Lisa discovered Wayne's "fraudulent activities" and cut off his access to the Capital One card and Boost Web bank account. Wayne's response? Redirect all of Boost Web's residual income to a different company he controlled with a friend.
4. Illegally Redirected Company Income Stream
On May 21, 2021, Wayne contacted CardConnect (the payment processor) and instructed them to redirect residuals that belonged to Boost Web to a company called "MKY FTS Sales LLC," owned by Laith Yaldoo, Wayne's "long time friend" and former CardConnect employee. The funds were then transferred to Wayne's personal account.
5. Amount Embezzled: $638,769.51 + Interest
The federal court found Wayne Orkin liable for conversion (legal term for theft) of $638,769.51 plus $169,691.87 in prejudgment interest = $808,461.38 total.
6. Additional Escrowed Funds: $994,162.25
The court also declared that an additional $994,162.25 in residuals held by CardConnect belonged to Boost Web, bringing the total funds involved to over $1.8 MILLION.
Even after the federal judge ruled against him, Wayne Orkin continued to defy court orders, leading to a formal contempt finding:
"Your letter to CardConnect was not only inappropriate, it misstated what we have as a factual basis, a verdict against your client. It is not the plaintiff counsel's place to order [a] nonparty in this case holding monies that were the monies at issue to do anything with them."
— Judge Guzman to Wayne Orkin's attorney (May 2, 2024 hearing)
"Mr. Orkin has engaged in a pattern of contemptuous behavior to the Court and conduct that rises to the level of harassment of a non-party in this action. His persistent refusal to obey court orders and his actions to covertly undermine the judgment of this Court through the Florida Action call for a higher degree of persuasion."
— Memorandum and Order on Contempt (June 24, 2024)
"The Court views Mr. Orkin's lawsuit as nothing other than an attempt to play 'judicial hopscotch' and get another bite at the apple with a different judge because Mr. Orkin did not like the outcome in his case before this Court."
— Memorandum and Order on Contempt (June 24, 2024)
Notice a pattern? Wayne Orkin is deeply embedded in the credit card processing industry, and the federal court case shows he used his industry knowledge and connections to:
This is the same person filing chargebacks against YOUR services. The federal court found he embezzled from his own sister's company. He defied federal court orders. He was held in contempt. He manipulated industry connections to steal funds.
Memorandum and Order on Contempt (June 24, 2024)
14-page federal court order
Everything on this page is verified by official federal court documents. This is not opinion or allegation—this is adjudicated fact determined by United States District Judge Margaret R. Guzman.
Case documents are public record and can be verified at:
United States District Court, District of Massachusetts
Case No. 4:21-cv-40060-MRG
When you compare the federal court findings about Wayne Orkin's behavior with Boost Web SEO to what I experienced, a disturbing pattern emerges:
| Federal Court Found (Boost Web SEO Case) | My Experience (Staffing Services) |
|---|---|
| Used services from sister's company for 7+ years (2014-2021) | Used my employee's services for 19 months |
| Then redirected payments and disputed obligations | Then filed chargebacks against agreed payments |
| No proper termination or notice provided | Never provided contractually required 30-day notice |
| Continued benefiting from services during dispute | Employee continued working in meetings during chargebacks |
| Credit card processing industry expertise | Same - CEO of APS Pays/Obanc (payment processing) |
| Manipulated payment systems using insider knowledge | Filed chargebacks using payment processing expertise |
| Federal court found conversion, contempt, awarded $808,461 | I believe fraudulent chargebacks; dispute ongoing |
The pattern is clear: Wayne Orkin uses his position in the payment processing industry to manipulate systems, abuse his knowledge, and avoid paying for services rendered - even after benefiting from those services for extended periods.
If you are considering doing business with APS Pays / Obanc or Wayne Orkin, I encourage you to:
Disclaimer Regarding Federal Court Case:
The federal court case referenced on this page (Case No. 4:21-cv-40060-MRG) involves a separate dispute between Wayne Orkin and Boost Web SEO, Inc. I am not a party to that case. This information is presented as it is a matter of public record and demonstrates a documented pattern of conduct by Wayne Orkin that is remarkably similar to my personal experience with him. The court documents are authentic and verifiable public records available through the United States District Court, District of Massachusetts.
Distinction Between Cases:
All statements about the federal case are based on official court documents and findings by U.S. District Judge Margaret R. Guzman. All statements about my personal case with APS Pays / Obanc are based on my experience and the evidence in my possession, and represent my opinions and beliefs about what occurred. Where I use terms like "I believe," "appears to be," or "in my opinion," I am expressing my interpretation of events based on the evidence I have.