Residual Payments Reviews (2022 Update): 14 Things You Need To Know & #12 Nails It!

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By: Scam Risk - Expert Reviewer

Passive or residual income has grown in popularity as a way for businesses to make money while working from home. However, with so many options and methods for getting started, people frequently wind up losing money through ineffective strategies.

Residual Payments’ digital payments expert course includes instruction from David and Patricia Carlin, a power couple who have earned millions in commissions using their technique.

Is it possible to make residual income online by utilizing digital payments, as taught in David and Patricia Carlin’s course?

Will it give you financial freedom?

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

Table of Contents

Pros: What I Liked

  • Unique Business Model With Potential For Passive Income
  • More Companies Resorting To Digital Payments
  • Carlings Know What They're Doing & How To Teach
The Good

Cons: What I Didn't Like

  • Refund Policy Doesn't Apply To All Products
  • Expensive Upsells...Up To 5k!
  • Marketing Uses False Scarcity & Overhype
  • It Is Not For Everyone
The Bad

This review will go over Residual Payments to see if it really is the best digital payments course out there.

You’ll learn whether digital payments is the right online business for you.

And at the end, you’ll find answers to some of the most frequently asked questions regarding Residual Payments and digital payments in general.

But most importantly, you’ll see the exact system many others have used to build their own internet marketing business to over $40,000 a month in mostly passive income.


This system made them swear off digital payments business for good, because it uses some of the same skills but in a much more powerful and profitable way!

1. What Is Residual Payments?

David and Patricia Carlin made this training course. They promote this as a business opportunity to enter the lucrative digital payments market.

Because the only method to pay for anything online is electronic, every form of internet business might possibly benefit from the services of a Digital Payment Agent.

The demand is undeniably there, and the earning potential is substantial. With Residual Payments, you may discover a three-step technique for earning residual money.

According to the Carlins, they receive an average of $500 for each business that uses their credit card processing service.

Their website is intended to pique your interest in this new opportunity that allegedly no one is aware of.

They even include a timer on their checkout page. This is known as scarcity marketing. It’s intended to mislead consumers into believing that this is a limited-time offer that will expire soon.

Obviously, David and Patricia know how to sell, but is it worth investing in their course? 

2. Who Is Patricia Carlin? And David Carlin?

They created Residual Payments and the Digital Payments Revolution mini-course.

There haven’t been many reviews written about the couple or their course. Both have over 20 years of expertise in the digital payments business, according to their bios.

David is well-known for his eCommerce venture. Along with Patricia, they’ve processed billions of payments and earned millions in commissions.

3. What’s Inside Residual Payments?

The Digital Payments Revolution is the name of the course that is now being marketed on the website.

It’s essential to note that this is only the first step in a sales funnel that will gradually but steadily take you through a series of web pages with different offers and upsells, each more expensive than the last, until you’re finally offered to schedule a sales call with one of the Residual Payments representatives.

They will try to persuade you to say goodbye to thousands of dollars in order to work directly with David and Patricia.

The initial cost is only the beginning, which is why membership is so low. Let’s go over each offer that you can get inside Residual Payments.

4. The Digital Payments Revolution

This course is broken down into nine short sections. Each one lasts roughly 15 to 20 minutes. The Digital Payments Revolution content only scratches the surface of what you NEED to accomplish to be a successful Digital Payment Agent.

This course talks about the merchant service industry, which is a quite unique business concept.

Essentially, you work with businesses to help them save money on payment processing.

You will receive a percentage of all transactions.

I can absolutely see this being successful if you’re skilled at drumming up business.

Module 1: This module lasts less than 2 minutes. It covers everything you will learn.

Module 2: Getting to Know Your Instructors. You will hear about David and Patricia Carlin, where they came from, how they got to where they are, and so on throughout the next 22 minutes. You will, theoretically, gain trust in the course developers. As a result, making you more likely to purchase any of their upsells. This is a marketing strategy used by them.

Module 3: This part explains credit card processing. This module delves deeply into the complete business model. This way, you’ll know precisely what you’re getting yourself into. With all of the hype removed, you can have a clear idea of what you need to do to make this thing function.

Module 4: How much money can you make? You will be introduced to certain numbers and the possible revenues you may generate with this business concept.

Module 5: Real residual income is covered in Module 5. The Carlins describe the residual passive income opportunities in this section. They mention one of their oldest clients as an example, who has been paying them for almost 15 years.

Module 6: Recognizing the opportunity. This lesson expands on the prior one in order to further clarify the opportunity you’ve been given with.

Module 7: Identifying potential customers. Discover why certain business owners aren’t worth your time. You are offered Shopify store owners as an example. Because other integrated payment processors don’t operate effectively on this platform, it’s not worth marketing your services to them.

Module 8: Getting your first client. You will discover what it takes to get your first paying client in this section.

Module 9: Time for a sales call. This is where the Carlins will encourage you to schedule a one-on-one meeting with a Residual Payments representative. This can cost you thousands of dollars if you buy.

5. The Digital Payments Playbook

This playbook delves further into the many services you may offer and the various methods you can sell merchant services.

You will have access to essential marketing materials, such as sample scripting, probing questions, visuals, social media captions, quotes, questions, and a calendar to help you plan your posting schedule.

If you purchase this upgrade for the first time, it will cost you $47. If you wait, the price may rise to $79.

6. Becoming A Highly Paid Agent

You must purchase this upsell if you want a step-by-step guide that explains exactly how to set up your business.

It covers all of the important details you need to know, including the technical side of things. When you first see this offer, it is available for $197. Following that, the price rises to $297.

7. Can You Trust Residual Payments For Payment Processing?

Residual Payment is not a scam.

This is a legitimate internet money-making possibility, but it may not be as glamorous or lucrative as the Carlins portray.

This business model is not for everyone. Residual Payments is probably unsuitable for you if you can’t handle high-pressure situations or if you get disheartened easily.

Unless you’re a natural-born salesperson, you’ll have a difficult time convincing people to employ your services as a Digital Payment Agent unless you’ve built a solid portfolio of satisfied and delighted clients.

You must be able to persuade business owners that the payment processing services you propose are superior, even if you lack the knowledge to back up your claims.

Is that something you’d be interested in learning how to do properly? It can be a handy ability to have, but it is not for everyone.

If that doesn’t sound like something you’d be interested in, check out this alternative below to learn how to use your passions and hobbies to generate money online.


8. Who Is This Program For? Can It Give You Real Residual Income?

This training requires you to be a hustler.

So, if you’re an introvert or a creative person, I wouldn’t bother with this course.

To make money, you must email, call, and physically visit businesses to set up appointments.

If you’re good at that, this course might be for you.

9. How Much Does The Residual Payments Program Cost?

Before we get into what The Digital Payments Revolution costs, I want to make one thing clear:

The merchant service business model is not taught in this course.

The Digital Payments Revolution is only the first stage in a sales funnel, explaining the business strategy.

It does not teach you how to start your own business.

You’ll need to purchase the second course, Becoming A Highly Paid Agent.

When you purchase The Digital Payments Revolution, you are pressured to purchase the second course.

If you buy it now, the price is $197; if you buy it later, the price rises by $100.

There’s also a second upsell after that.

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

After you’ve spent $17, you’re more likely to purchase the more expensive courses.

So, once again, if you want to understand the full system, you’ll need to purchase the second course, which costs between $197 and $297. David and Patricia emphasize this throughout The Digital Payments Revolution.

Finally, towards the end of The Digital Payments Revolution, you will be pushed into a sales call with David and Patricia, which could cost you thousands of dollars based on what you buy.

10. Is It Possible To Get A Refund?

The Residual Payments website only offers a 30-day money-back guarantee for The Digital Payments Revolution course.

This guarantee does not cover anything else that is offered. In other words, once you purchase any of the upsells, you will not be able to return them.

Can You Make Money With Residual Payments?

Yes, you can have monthly residual income in the digital payments world! But I doubt you can generate millions or become a million dollar payments agent like the Carlins say.

You see…

There’s a lot that comes along with digital payments business that many people struggle with.

Now, don’t get the wrong idea…

It’s not impossible to make money with digital payments business, but if you’re gonna put in the amount of grueling work to do this business (which, trust us, isn’t easy), you might as well bring in some REAL money while you’re learning the ropes.

The program that helped skyrocket many online businesses to over $40,000+ per month is so simple that making money really does become second nature.

Is Residual Payments A Scam?

Based on my Residual Payments review, the course is not a scam. It will help you get started in the digital payments industry, creating real residual income.

It is entirely possible to build a profitable, successful digital payments business… But there are better ways to build a business other than with this model.

Our #1 pick proves this.

Because unlike Residual Payments, it actually provides real proof of real success from real people as recently as a few days ago.

Simon Is Crushing It!

Is Residual Payments Legit?

Residual Payments is legit. The Carlins will teach you the exact same strategies they use to make money online.

But, when it comes to building a business, you have plenty of options.

Keep in mind, I don’t get paid to promote any of the programs I review. I personally think digital payments is a great business model, but you could end up leaving way too much money on the table.

What Is My Top Recommendation For Making Money In 2022?

Digital Real Estate

Our review team has come across a program in the real estate industry that is next level!

Although it’s not real estate in the traditional sense, it’s all digital.

Yup, Digital Real Estate!

Where Residual Payments falls short is in profitability. 

You can’t realistically expect to be able to make any REAL passive income when you’re only bringing in maybe a couple hundred a month.

But what if you leverage it?

With this digital real estate program, you can have the ability to completely walk away from manual labor!

Sound too good to be true? Of course it does! But it isn’t…in fact, business owners wish they had this skill!

All you have to do is build and rank a website and forward the jobs off to a business owner in town, you could even email it to them!

This works for literally any service based business, tree service, plumbing, towing, etc. 


How do you get paid and how much?


Simple, after you forward the jobs off to a business owner and he makes some money off of them, you simply ask to make the deal beneficial for each other.

A fair price to charge per lead, depending on the industry is 10-20%…let’s just use the tree service industry for example and go by worst case scenario.

Let’s say you build and rank the site and only 20 jobs a month come in. The average tree service job is anywhere from $500-$2000!

That means at bare minimum you have an asset worth $1000 a month!

See why they call it digital real estate now? That’s a rent payment. 

The great thing is how easy it is to scale. You don’t have to answer the phone…all you have to do is get the phone to ring.

Remember Residual Payments and all the small profit margins? 

This one actually allows you to collect that without working in a brick and mortar business all day. Truly passive income!

The training program takes making money online to a whole other level. The owner of the program walks you through how to build and rank a site hand in hand, with the occasional voice over when he is sharing his screen.

You will learn the importance of keywords, website name, how to send call notifications via email, backlinking, etc.

Once the training program is completed you will also have access to a Facebook group where you can ask questions and be in a community with others on the same journey as you.

Unlike Residual Payments, where you have to keep trading your time for money over and over…. You can finally get on the financially free side of life. 

A business will always want more leads and another job. In fact it doesn’t even matter that the job isn’t coming from their website name…they see it as it is…expanding digital real estate.

Unlike Residual Payments, more people have been able to become financially free as well. 

Digital real estate allows you to have passive income with most of your day being spent OUT of the brick and mortar landscape.

Now, I know you probably have tons of questions… So, check this out to learn more.

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  1. Hi my name is Peter beck and I spent 17.95 for the 30day trial but I shouldn’t have rite now because I’m on disability for maybe another month do I can’t walk normally because I had sergury in my ankle please reply my either email or phone number your application said my card didn’t go thru would you please confirm

    • Hey you can find them on FB messenger. Just search for their name and it will pop up. There is a live person you can talk to. I tried 3xs and mine didn’t go through. I guess this opportunity isn’t God’s Will. I am part of the digital real estate fb group and am seeing great results in there. I did not pay for the course yet but was thinking about it. Why not give digital real estate a try.

    • Hey Peter, unfortunately we are not affiliated with Residual Payments in any way. We have no way of getting in touch with them about your product purchase. We encourage you to reach out to their team via phone or email. We hope this helps!

  2. It would appear that the whole residual business opportunity is a scam. There is no 2% commission for a salesperson on credit card processing, most of that 2% goes to Visa/Mc. And signing up a 30 location restaurant chain is nearly impossible for a person to do.

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