A Documented Account of Questionable Business Ethics by a Credit Card Processing Company
This page exists to warn other businesses about my experience with APS Pays and its CEO Wayne Orkin. All claims made here are supported by documentation including contracts, emails, screenshots, and other verifiable evidence.
Company: APS Pays
CEO: Wayne Orkin
LinkedIn Profile: Wayne Orkin
Corporate Website: www.apspays.net
Industry: Credit Card Processing / Payment Services
Service Provided: Offshore Staffing Services - Full-time Employee (40 hrs/week)
Duration: 2 Years of Continuous Service
Why This Matters: A CEO of a payment processing company filed chargebacks for staffing services after 2 years 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 - a dedicated full-time employee who worked 40 hours per week for TWO YEARS. 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 executives (documented via screen recordings), while Orkin filed chargebacks for services that were actively being rendered and utilized.
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, integrated into daily operations and executive meetings.
Continuous Service Delivery - 2 YEARS
Employee works full-time (40 hours/week) for TWO YEARS, attending regular meetings with APS Pays 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 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 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.
📄 Upload your signed staffing agreement here
Key clause: 30-day written termination notice requirement
24 months of payment records showing regular, consistent payments for services
💳 Payment invoices/receipts
Documentation of 40 hours/week worked over 2-year period
📊 Time tracking records
Examples of work completed during employment period
📁 Work samples
CRITICAL EVIDENCE: These recordings prove the employee continued working and attending executive meetings with APS Pays WHILE Wayne Orkin was filing chargebacks.
Date: [Date during dispute period]
Employee participating in meeting with APS Pays executives
🎥 Screen recording
Date: [Date during dispute period]
Continued collaboration and work delivery
🎥 Screen recording
Multiple recordings showing ongoing work relationship
🎥 Screen recordings
Initial agreement to terms including 30-day notice requirement
📧 Screenshot/PDF
Regular work-related emails during 2-year period
📧 Screenshot/PDF
Evidence showing NO 30-day written notice was ever provided
📧 Screenshot/PDF
💳 Chargeback notices filed by Wayne Orkin/APS Pays
Show dates filed vs. dates employee was still working
📎 Any other relevant documents, screenshots, or communications
A Payment Processing CEO Filing Fraudulent Chargebacks - The Ultimate Irony:
Wayne Orkin runs a credit card processing company - a business built entirely on trust, proper payment handling, and ethical dispute resolution. Yet here are the facts of what occurred:
The Ethical Violation: This is not a legitimate dispute over service quality or delivery. The employee worked consistently for 2 years, attended meetings, completed assignments, and was integrated into APS Pays operations. Filing chargebacks under these circumstances - without proper contractual notice and while still utilizing the employee's services - represents a fundamental breach of business ethics.
Questions This Raises About APS Pays:
The facts are clear and indisputable. I have fulfilled every obligation under our staffing agreement, and the chargebacks filed by Wayne Orkin/APS Pays are 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 would pay the agreed monthly rate. This arrangement required 30 days written notice for termination. I provided the employee for TWO FULL YEARS without interruption. APS Pays NEVER provided the required 30-day written termination notice.
The employee worked 40 hours every single week for 2 years. They attended meetings, completed assignments, collaborated with APS Pays 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 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 2 years, meetings the exact specifications in our contract. APS Pays has no legitimate complaint about service quality or delivery - 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 2 years is now facing salary uncertainty because a CEO decided to abuse the payment system.
If you are considering doing business with APS Pays or Wayne Orkin, I encourage you to:
This page was created to document and share a factual account of business practices.
Last Updated: [Date]