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Digital Payments Revolution Reviews (2024 Update): Is Residual Income Really Possible?

By: JosiahDec 08, 2023Make Money
Digital Payments Revolution Reviews ([year] Update): Is Residual Income Really Possible?

The Digital Payments Revolution Reviews: Introduction

Today, I will be reviewing The Digital Payments Revolution.

But, before we get there, I have a question for you.

When you think about residual income, what comes to your mind?

Is it real estate, investing in stocks, or writing a book?

You're absolutely right! This is what everybody thinks about residual income.

You might be surprised to learn that there is a hidden industry where you can make a substantial residual income.

It's actually one of the industry's best-kept secrets, and it doesn't require any of these things.

It's the untapped market that has been under your nose for many years. It's called digital payments.

This brings us back to the Digital Payments Revolution course.

Businesses are shifting away from accepting cash and accepting credit cards, a massive shift in a whole new industry known as "Digital Payments."

Consider this: Every swipe of a credit card earns someone a commission.

How would you like to participate in that success and create a long-term residual income for your family and yourself? Keep reading, and I'll show you.

This review will go over Digital Payments Revolution to see if it really is the best digital payment course out there.

Now, I do want to be totally honest in this review, so...


This Digital Payments Revolution Reviews review has been thoroughly researched with information and testimonials that are available to anyone in the public. Any conclusions drawn by myself are opinions.

  • Good refund policy
  • Interesting business model
  • Not a complete course
  • Expensive upsells

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

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:

why listen us gif

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!

Digital Payments Revolution isn’t too different from most eCommerce courses.

Sure, their marketing makes some great promise you haven’t heard from the other eCommerce gurus, but at the end of the day, no magic bullet overcomes the massive pitfalls of this business model.

Let’s get something clear:

There is NOTHING passive about eCommerce, no matter how well most course creators sell the dream.

If you want that travel-the-world-making-money-while-you-sleep-laptop-lifestyle, eCommerce isn’t for you.

To run a successful eCommerce business, you need to be constantly on the lookout for new products.

Scouring the internet for hot trends and trying to find the next fidget spinner will take hours out of your day.

Not to mention, it’s not enough to just have the hot new product...

You also need to get the customers.

That means ads…

Lots and lots of ads…

Testing, tweaking, targeting, spending thousands if not tens of thousands of dollars before breaking even.

Not to mention, Facebook hates eCommerce, meaning one of your top traffic sources could shut you down at any time.

All of this leads to a very stressful life, not a lot of money, and a lot of time wasted.

Time that could be better spent so you can actually live the life you want.

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:

  • Physical Products
  • Low Margins
  • Long Wait Times
  • Angry Customers
  • Thousands of dollars testing different ad campaigns

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 running ads, researching products, and trying not to get banned by whatever platforms you’re using?

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

TESTIMONIAL - Still Getting Paid

This is nothing like eCommerce, and that’s probably a good thing.

However, if you’d still like to know more about Digital Payments Revolution, keep reading.

Who Is David And Patricia Carlin?

Who Is David And Patricia Carlin

Patricia and David Carline are the founders of "The Digital Payments Revolution" and run the training platform, "Residual Payments."

Patricia is a digital payment industry veteran, having worked in this field for more than 20 years.

David has extensive experience in the retail and eCommerce business worlds.

These two are pretty much the only things I know about them.

You can follow many of their social media accounts, but it's not a good way to determine if they are legitimate or successful.

Many people make it look rich on social media, pretending to be wealthy when in reality, they are not.

But, to their credit, I don't think they're like that.

They seem to be really successful.

What Does The Digital Payment Revolution Teach?

What Does The Digital Payment Revolution Teach

I've been looking into passive income opportunities for the past few decades.

I've seen many types of business models, including internet marketing., eCommerce and digital agencies, stocks, real estate, Airbnb rents, senior living facilities, investment banking industry, and many more.

This is the first opportunity I've had to come across the merchant service business model taught in this course.

While I am an expert on building a passive income through online businesses, I'm not one in that area.

But I did some research and understood how it all works.

The visual representation of it is this:

The Merchant Service Business Model

You basically come in the Acquirer Stage.

Your goal is to offer merchants a lower payment processor and better customer service.

This can be done with brick-and-mortar businesses as well as online processors.

A small percentage of each sale is yours. Your goal is to build a portfolio with businesses that you can work with.

It is undoubtedly exciting and can potentially make serious money if done correctly.

You'll need to hustle to grow your business.

This includes cold calling, emailing, and even going into stores to try and get contracts.

You don't have to do that if you don't want to. There are other ways to make money online, which are more relaxed.

The Digital Payments Revolution Isn't A Full Course

Before we get into the content of The Digital Payments Revolution, I want to clarify one thing:

The merchant service model is not covered in this course.

The Digital Payments Revolution is only the first sales funnel step and does not explain the business model.

This course doesn't teach you how to start your own business.

You will need to purchase the second course, "Becoming a Highly Paid Agent."

After paying and signing up for Digital Payments Revolution, you'll be compelled to purchase the second one.

The Digital Payments Revolution Isnt A Full Course

You can buy the Digital Payments Revolution course for $197 now or upgrade to $100 later.

You can also get a second upsell.

Digital Payments Revolution course

The Digital Payments Revolution costs only $17 because they want you to get in the door.

You're more likely than not to purchase the most expensive course if you have already spent $17.

This means that if you really want to master the whole system, you will need to purchase the second course, which costs $197 to $297.

Final note: At the end of The Digital Payments Revolution, you will be forced into a sales call with David and Patricia. This will cost thousands.

The Digital Payments Revolution Overview

The Digital Payments Revolution Overview

This is not a course but a webinar.

Instead of getting training in creating a business, you get an idea about what you will be doing.

The Digital Payment Revolution is a short course that will explain how the Digital Payments industry works and how money flows. It also outlines the exact path anyone can follow to make a stable, steady income.

This course was created by Dave and Patrica Carlin, a husband-and-wife team who have been working in the digital payments industry for more than 20 years.

Each video is approximately 15 to 20 minutes long.

Let's take a look at each section.

  • Module 1 - What to Expect: This module briefly explains what you can expect and gives you an idea of the tasks you will be doing. It takes only 90 seconds.
  • Module 2 - Meet Your Instructions: This video is 22 minutes long and features Patricia Carlin and David Carlin. Learn about their backgrounds and the reasons they created this course.
  • Module 3 - What is Credit Card Processing?: Module 3 explains how credit cards work and how you can make some money.
  • Module 4 - Why This Is a Lucrative Business: Module 4 explains the advantages of this business model. This will give you an idea of how much money it can make and why it is so affordable to start.
  • Module 5 - Real Residual Income: This module describes how the business model generates residual income. For instance, their oldest account has been in existence for over 15 years. They've made money from it all these years.
  • Module 6 - The Size and Scope of This Opportunity: This module is similar to the previous one but shows how massive this opportunity is.
  • Module 7: Who Are The Potential Customers?: Module7 explains which customers are worth following and which ones are not. Take Shopify, for example. Shopify websites don't make sense because it is difficult for third-party payment processors to integrate with their systems.
  • Module 8 - Getting Your First Processing Account: This module explains what steps you need to follow to obtain your first processing account.
  • Module 9 - Your Next Steps: The last step is to sign up for a phone call with an agent who works for David or Patricia. It will cost thousands to receive mentorship from Patricia and David.

How Much Does The Digital Payments Revolution Cost?

How Much Does The Digital Payments Revolution Cost

Digital Payments Revolution is a new training that costs only $37 and is available for a limited time.

There is an urgency to get it in the hands of as many entrepreneurial entrepreneurs as possible. Once that happens, either the course will be taken offline, or its price will rise dramatically.

How Much Can A Digital Payment Agent Earn?

How Much Can A Digital Payment Agent Earn

Depending on which business you sign up for, you can make between $200 and $1,000 per month as a digital payment agent. Agents earn an average of $500 per month. This is a highly lucrative career.

It takes effort to reach out to the business owners and close a deal.

Some business owners are resistant to change, but it will be easier for them to accept your offer if they can save money.

These are the benefits of becoming a digital payment agent:

  • You can work from home or anywhere else.
  • Flexible hours
  • Monthly residual income
  • Tax incentives
  • Low start-up costs

The Digital Payments Revolution Pros And Cons

The Digital Payments Revolution Pros And Cons


  • Good refund policy: If you decide that the business model is not suitable for you, you have 30 days to get your money returned.
  • Interesting business model: I'm not an expert in this area, but at least it's interesting. This is one way a person can make good money.


  • Not a complete course: This webinar is not a course. Hence, you're not learning how to start a business.
  • Expensive upsells: The Digital Payments Revolution is only meant to convince you to purchase the more expensive course and pay thousands of dollars for one-on-one mentoring.

Is Digital Payments Revolution A Scam?

Scam or Legit

So, is Digital Payments Revolution a scam?

Not technically.

You can make money with this program, but it’s definitely not as easy as David and Patricia Carlin makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and - most importantly - you need to do a ton of volume to make any real money.

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

But if you’re grinding it out for 3 months, $3-5k in the hole on ads (because that whole “get started with $5 a day” thing is total BS) and then your reward is 15% profit on a $12 product (which comes out to $1.80), it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? 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 eCommerce, 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

TESTIMONIAL - Saying Goodbye To Our Jobs

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.

Digital Payments Revolution Review: Conclusion

Digital payment processing services are essential for almost every business.

As society becomes cashless, there is an increasing demand for additional services.

For a second, think about it: Every swipe of a card gets you paid.

Do you know of any businesses that DONT take credit cards?

This is an excellent opportunity to work from home and secure ongoing stable revenue.


Is It Easy To Make Money In The Digital Payment Space?

You'll need to work hard, just like in any other business. Your chances of making money will rise if you have the proper knowledge. You will not be able to make a lot of money quickly. You must learn and use your knowledge.

How Long Will It Take To Make My First Sale?

It all depends on your motivation.

Do I Need To Have Any Experience?

This program is not for beginners. As you move on, there will be an intermediate and advanced level.

Are There Alternatives To Digital Payments Revolution?


Yes, there are plenty of eCommerce programs and resources to choose from if you want to pursue this business model. Here are just a few:

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

Digital Leasing

Our review 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 eCommerce, you don’t really own anything. You have no control over the quality of products.

You don’t even own the products because they go straight from the supplier to the customer.

Yes, if you’ve got a Shopify store, you technically own that. But if every ad platform suits you down, you’ve got a store with no customers. Which is literally worthless.

With Digital Leasing, you own the assets, which means you have all the power and all the control.

TESTIMONIAL - Feeling Blessed

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.

TESTIMONIAL - Scott Lead Gen

4) No Inventory: Ok, so technically you don’t have to worry about inventory since you’re not filling up your garage or a warehouse with products.

But, you still have all the headaches of a physical products business.

Since most dropshipped products come from China, you already have a 2-3 week wait time from when a customer places an order.

But right now, with global supply chain issues, your customers would be lucky to get anything in less than a month.

Imagine finally landing your first customer after months of experimenting, and then getting hit with a refund request or chargeback because they had to wait 6 weeks to get their order.

With Digital Leasing, a 100% online business, you never even have to think about that risk.


5) 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 eCommerce, you’d have to double your inventory, your profit margins, OR your average order value. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.

TESTIMONIAL - Lance Lead Gen

6) Make Money Helping Real People: This part is what makes it all worth it. 99.9% of the time, eCommerce provides no value to anyone but the seller.

In a lot of cases, it has a negative impact on the customer because of poor product quality and an overall bad experience (i.e. waiting 6 weeks to get your order).

And that makes it pretty hard to sleep at night.

But 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 Digital Payments Revolution 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.](

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