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Residual Payments Reviews (2024 Update): Best Credit Card Processing Course?

By: Joel & Josiah
Residual Payments Review

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?

Can it really help you reach financial freedom?

Before we answer that question, I want to get something out of the way first…

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.
Unique Business Model With Potential For Passive Income
More Companies Resorting To Digital Payments
Carlings Know What They're Doing & How To Teach
Refund Policy Doesn't Apply To All Products
Expensive Upsells... Up To 5k!
Marketing Uses False Scarcity & Overhype
It Is Not For Everyone


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


  • Refund Policy Doesn't Apply To All Products
  • Expensive Upsells... Up To 5k!
  • Marketing Uses False Scarcity & Overhype

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!


There is a multitude of credit card processing courses floating around the internet.


Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income.

Just like Residual Payments. Here’s the hard truth, though…

Most of these programs:

  • Take way more time than you’re led to believe
  • May have hidden fees
  • Require you to buy multiple upsells in order to get the “real” information

But most importantly, a lot of these programs are just plain hard to scale.

“Scale” means once you do the work to make a little money, it should get easier to make more money, not harder.

The problem is, most programs out there make it hard to make money at first and even harder to keep making money.

In other words, you might be able to make some money in the beginning, but it won’t be sustainable, and you’ll end up getting discouraged.

This is the exact opposite of passive income.

When income is truly passive, you do the work upfront, but then you set it and forget it. The money gets made whether you’re working or not. It’s not directly tied to the hours you put in.

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

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent monthly revenues (from a couple of 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.

Still Getting Paid

This is nothing like payment processing services, and that’s probably a good thing.

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

What Is Residual Payments?

Residual Payments - What Is Residual Payments

Residual Payments is a credit card processing training course create by David and Patricia Carlin. They teach how to create real residual income as a digital payment agent in the lucrative digital payments market. This business model allows you to make money when a credit card is used for purchases.

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

The demand is undeniably there, and the earning potential is substantial. With Residual Payments, you will 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 relatively new opportunity.

They even include a timer on their checkout page. This is known as scarcity marketing. It’s intended to entice 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?

Who Are David And Patricia Carlin?

Residual Payments - David and Patricia Carlin

David and Patricia Carlin are the creators of 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 ventures and together with Patricia, they’ve processed billions of payments and earned millions in commissions.

What’s Inside Residual Payments?

Residual Payments - 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 important to note, however, 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.

It’s at this point that the sales person will try to convince to you buy into the program and 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.

The Digital Payments Revolution

Residual Payments - Digital Payments Revolution

This course is broken down into 7 short sections and 1 BONUS section. 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 digital payments industry which is quite a 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: Meet Your Instructors

Residual Payments - Module 1

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. This is where we typically 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 2: What Is Credit Card Processing

Residual Payments - Module 2
The 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 ultimately make this thing work.

Module 3: The Most Lucrative Residual Income Business

Residual Payments - Module 3
You will be introduced to certain numbers and the possible revenues you may generate with this business concept.

Module 4: How Real Residual Income Works

Residual Payments - Module 4
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 5: The Size & Scope Of The Opportunity

Residual Payments - Module 5
This lesson expands on the prior one in order to further clarify the opportunity you’ve been given.

Module 6: Who Is A Potential Customer

Residual Payments - Module 6
Discover why certain business owners aren’t worth your time. You’re given 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 7: Getting Your First Client

Residual Payments - Module 7
Getting Your First Client: You’ll discover what it takes to get your first paying client in this section.

BONUS: Time for a sales call

Residual Payments - Bonus
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.

The Digital Payments Playbook

Residual Payments - Digital Payments Playbook

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

You’ll 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.

Becoming A Highly Paid Agent

residual payments course

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’s available for $197. Following that, the price rises to $297.

Can You Really Make Money With Residual Payments?

residual payments course cost

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.

How Much Does The Residual Payments Program Cost?

Residual Payments - How Much Does It 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.

Is It Possible To Get A Refund?

Residual Payments - Refund Policy

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.

What Does The Internet Have To Say?

What Does The Internet Have To Say

To be honest, I couldn’t really find anything else online regarding customer reviews for Residual Payments. So, is that a good thing or a bad thing?

Well, in my experience, typically “No News Is Good News”.

Now, don’t get me wrong… this isn’t an endorsement of the program. This is just a tounge-in-cheek way of saying that we couldn’t find anything that customers or otherwise have had to say about the company.

In fact, the only thing I could find was a Trustpilot page with no reviews… good or bad.

Residual Payments - Trustpilot


Is Residual Payments A Scam?

Is This A Scam?

So, is Residual Payments 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 – it doesn’t easily scale.

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, and then your reward is being forced to grind it out for another 9 months before seeing any “real money,” well… that’s not a great deal, is 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 you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection are 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

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.

Are there alternatives to Residual Payments?

ScamRisk's Top 5 Alternatives

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 Our #1 Recommendation For Making Money Online In 2024?

Digital Real Estate

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 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.

Jump All In

2) You Own & Control EVERYTHING: With Residual Payments, you don’t really own anything. You have no control over the quality of products. You don’t even own your “business”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

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

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.

Scott Lead Gen

4) No Inventory: Alright, so most credit card processing programs don’t make you buy products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer and losing them after one sale 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.

Lance Lead Gen

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 of 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 monthly 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 Residual Payments, you’d probably need to double the number of hours you spend working. Because, again, this program doesn’t scale.


Done Deal

6) Make Money Helping Real People: 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.


Boss Of My Future

Now, the choice is yours. You could continue browsing, looking at opportunities like Residual Payments 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.


4 Responses

  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

    1. 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. 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 Leasing 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 Leasing a try.

  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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