He Runs Payments AND Fraud Alone. Here’s What He’s Learned in 21 Years
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He Runs Payments AND Fraud Alone. Here’s What He’s Learned in 21 Years
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“I always frame it as the little engine that probably shouldn’t have.”
Recorded at Checkout's Thrive event in Newport Beach, I sat down with A.J. Hernandez of Outlook Amusements, the company behind CaliforniaPsychics.com. A.J. has spent 21 years there, starting in the catalog and phone-order days, and today he handles both payments and fraud as a one-person team.
We get into how an online psychic business went from a risky reputation to a clean entertainment MCC, why fraud and acceptance are really the same conversation, and what it takes to stop promo abuse without scaring off good customers. I also share a few approaches I’ve used in the past, and we talk about how bad actors are testing more than just cards these days.
We also cover what the new card network monitoring programs mean for smaller merchants, why California regulation makes life harder for merchants, and what’s coming for payments in 2027.
Follow A.J Hernandez: https://www.linkedin.com/in/a-j-hernandez-2425b660/
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"Most of the time when a new regulation comes through, it’s the little guy that gets smashed.”