Close this search box.

David Carlin Review (2024 Update): Should You Trust Him And Residual Payments?

By: Joel & Josiah


Residual Payments is run by Patricia and David Carlin, a power couple.

Everyone was always asking them what they did for a living after watching them travel the world, golf, ski, and generally never working.

So they devised a real residual income program to teach people how to profit from the digital payments revolution. The tale goes like this. It sounds too good to be true, but is it really? An opportunity to make money?

This Residual Payments review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.
David and Patricia Carlin have a good experience in creating real residual income.
Residual Payments is not for all.


  • David and Patricia Carlin have a good experience in creating real residual income.


  • Residual Payments is not for all.

Why Listen To Us?

My name is Josiah, and this is my Dad, Joel.

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online
  2. Straightforward-ness of the system to do it
  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!


David Carlin is an ad agency course. The basic premise is that you’ll learn how to build your own ad agency, land clients, and get them results.

Running an agency (even though they’re a bit of a commodity nowadays) isn’t a bad way to get your feet wet in the world of online business.

That said, there are a lot of moving parts with this business model:

  • Prospecting – you need to know how to find potential clients
  • Sales – you need to know how to convince those clients to give you money
  • Media Buying – you need to know how to run ads profitably
  • Copywriting – you need to know how to tailor your ad messaging for the right customers
  • Design – you need to know how to design ads/landing pages to maximize conversions
  • Email Marketing – you need to know how to follow up with prospects and customers
  • Automation – you need to know how to connect everything properly

Now, most course-sellers will try to make this easier on you by telling you they’ve managed to “automate everything”, offering “plug-and-play” campaigns, and “pre-built templates”.

Here’s the thing though:

Markets are always changing. They get more savvy as time goes on.

If you buy a program with thousands of other students, where everything is built out for you, there’s an almost 100% chance those templates don’t work.


Because if thousands of other students are using those exact same “plug and play” campaigns, tens of millions of people have already seen them, reducing their effectiveness.

Not to mention, with most agency programs, the templates are actually built by some virtual assistant in the Philippines or India, and have never actually been tested in real life.

And if they have, there’s a good chance they’re extremely outdated, since most programs don’t bother updating their templates after launching. The course creator gets too busy just trying to sell to more and more students, instead of focusing on quality education.

Now, here’s the most sinister part of this whole thing:

Most course creators market their agency courses as something you can do anywhere in the world. You might hear them say things like “The world is my office” or “This is a simple passive income business”.

That’s just plain false. Running an effective agency is in no way passive. Look at the list above, and remember that you can’t rely on pre-built templates. You’re responsible for every part of the process.

Does that really sound like a business you can do from a laptop on the beach?

See how this could be a problem?

passive income

Now, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Mastering 100 different roles
  • Needing to be a technology wizard
  • Working round the clock just to keep things from blowing up

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?


If that sounds like something you’d be interested in, check out Digital Leasing. 

However, if you’d still like to know more about David Carlin, keep reading.

Who Is David Carlin?

Previously, David’s life could be summarized by one word: business.

Experience is by far the most popular reason for people to establish their own enterprises. In the digital payments industry, David had first-hand knowledge of the difficulties other business owners faced when receiving money.

He didn’t know how much monthly residual income his sales agent was making from the sales he made each month. As it turned out, that’s how David got his start in the world of electronic payments. Through his successful e-commerce firm and other joint ventures, David’s innovation and honesty — paired with his art of the deal — made him the driving force behind Residual Payments.

Who Is Patricia CarlinResidual Payments Review David And Patricia Carlin

Patricia Carlin is a well-known name in the payments industry. Patricia has been at the forefront of digital payments for over 20 years, both in the United States and abroad.

She’s been dubbed one of the most important people in the payments industry because of her extensive resume. The first-ever online merchant account she worked on resulted from her efforts.

She has collected billions of dollars in career sales and millions of dollars in residual income as a world-renowned expert. Patricia built her career by working for the world’s most notable e-commerce companies.

She is in high demand as a consultant because of her expertise in guiding businesses through the often-complicated world of international internet billing. As the first to introduce the gold standard for establishing a residual empire while ensuring payment integrity at every level, Patricia reshaped a whole field of practice.

It’s her philosophy to “go for what’s best and forget the rest.” Whether you are a pro or a novice, she’ll help you improve.

Residual Payments ReviewResidual Payments Review

A method for businesses to make money while they work from home is called “passive” or “residual income.” However, because there are many ways to get started, people often waste money by using unproductive strategies.

This training course was created by David and Patricia Carlin. Their pitch is that it’s a way to get a foothold in the digital payments world.

Every type of internet business might profit from using a Digital Payment Agent because the only way to pay for anything online is electronic.

The demand is undeniable, and the earning potential is tremendous… There is a three-step method for making residual money with Residual Payments.

According to the Carlins, each business that employs their credit card processing service pays them $500 on average.

According to the company, the purpose of their website is to stimulate your curiosity about this fresh possibility that no one else is aware of.

A timer is included in the checkout process. Scarcity marketing is a term used to describe this practice. It’s a ploy to get people to think that this is a one-time deal that will vanish at any moment.

What’s Inside Residual Payments?What's Inside Residual Payments

The website is currently offering “The Digital Payments Revolution Course.”

Residual Payments has a sales funnel that will guide you through some online pages with different offers & upsells, each more expensive than the last until you’re eventually offered the opportunity to schedule a sales to call with one of the company’s representatives. This is just the beginning of the process.

To work with David and Patricia, they’ll try to get you to part with thousands of dollars.

The low cost of membership is because the initial purchase is just the beginning. Residual Payments has a wide variety of offers that you can take advantage of.

Their Merchants Have Handled and Processed BILLIONS OF DOLLARS In Transactions.

They now want to show you how to do it through the help of Dave and Patricia Carin and their training platform, Residual Payments.

The Digital Payments RevolutionThe Digital Payments Revolution Residual Income

This course is divided into nine compact sessions. Each one lasts between 15 and 20 minutes. The content in the Digital Payments Revolution barely scratches the surface of what you NEED to do to be a successful Digital Payment Agent.

This course discusses the merchant service industry, an unusual business concept.

Essentially, you assist businesses in saving money on payment processing services.

You will be paid a portion of all sales.

If you are good at drumming up business, I think you’ll do well with this.

David and Patricia finally decided to rip back the curtain and educate you precisely what it takes to become a million-dollar payments agent after thousands of requests.

This is the best course you will ever take if you are serious about creating REAL residual income.

How Much Does The Residual Payments Program Cost?How Much Does The Residual Payments Program Cost

Before we go into how much The Digital Payments Revolution costs, let me clarify:

This course does not teach merchant services.

The Digital Payments Revolution is merely the first stage in a sales funnel.

That’s not what it teaches you.

You must buy the second course, Becoming A High-Paying Agent.

The Digital Payments Revolution forces you to buy the second course.

Buying it now costs $197; buying it later costs $100 more.

Then there’s a second upsell.

The Digital Payments Revolution is just $17 to get you in.

You’re more likely to buy more expensive courses after spending $17.

Again, to fully grasp the technique, you must purchase the second course, which ranges from $197 to $297. In The Digital Payments Revolution, David and Patricia stress this.

You will be forced into a sales call with David and Patricia near the end of The Digital Payments Revolution, which might cost you thousands of dollars.

The Digital Payments PlaybookThe Digital Payments Playbook Digital Payment World

This playbook discusses the many services and exact same strategies to sell merchant services.

You will also gain access to marketing tools, including sample scripts, challenging inquiries, visuals, social media captions, queries, quotations, and a posting calendar.

This upsell costs $47 the first time you buy it. If you wait, it may rise to $79

Is David Carlin A Scam?Is David Carlin A Scam Digital Payments World

So, is David Carlin a scam? Not technically. You can make money with this program, but it’s definitely not as easy as Residual Payments makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – running an agency is extremely active income (NOT passive).

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re getting into this game to live life on your terms, travel the world, and generate passive or semi-passive income from anywhere, then this isn’t for you.

What if, instead, you could put in a couple hours a day (in your spare time) to build a single digital asset, and your reward was a $500 to $2,000 payment that came in every single month?

And what if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Leasing

And, unlike a traditional ad agency, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Leasing.

Are There Alternatives To Residual Income?Are There Alternatives To Residual Income Digital Payments

Yes, there are plenty of other business models to choose from if you want to pursue this making money online.  Here are just a few:

What Is My Top Recommendation For Making Money Online In 2024?

Digital Real Estate

The ScamRisk team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Leasing is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Leasing business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With an ad agency, you don’t really own anything. You’re a hired gun for clients, and entirely at their mercy.

Sure, you own your agency, but if your business grinds to a halt once you stop working, all you really have is a self-created job.

With Digital Leasing (a passive income stream), you own all the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Leasing with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an ad agency, you’d have to double your clients OR double the monthly payment of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5) Make Money Helping Real People: This part is what makes it all worth it. With Digital Leasing, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Leasing, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent. Once you see how Digital Leasing makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like David Carlin which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Leasing.

Leave a Reply

Your email address will not be published. Required fields are marked *