Currently set to Index
Currently set to Follow

Residual Payments Review – Is making a residual income with digital payments real?

June 29, 2022

The Residual Payments course by Patricia Carlin and David Carlin teaches you how to become a Digital Payments expert and earn a residual income by helping businesses save money in their payment processing systems. This business model allows you to get paid every time a business accepts a credit card for a purchase. You can get paid each month on autopilot for the life of the entire account. Patricia and David claim that as a Digital Payments expert, you always make money. In this Residual Payments review, we're going to find out how true that is, what exactly is inside the Residual Payments program, how much you can really make with this business model, who potential customers are and if it's all a scam or not.


After the COVID-19, almost every company is moving towards digital payments

The Carlins have a combined 30 years of experience with digital payments

You can make a lot of residual income each month if you can land hundreds of small clients, or large franchises

24-hour live chat support after joining the program


They use scarcity marketing to hook you to buy into their courses

You don't get to find out what their main course is until after you have bought the two mini-courses

No refund for any of their main courses

Very expensive course


Residual Payments costs $9,997. Various courses are available on the platform. The Digital Payments Revolution mini-course (first course) costs $17. The Becoming a Highly Paid Agent (second course) costs $197.

Refund Policy:

30 Day money-back guarantee for the Digital Payments Revolution; no refunds for the rest of their courses


60+ training videos across all courses. They provide PDF guidelines and transcripts (each module is in a testing format so you can see how you're doing)


This course came about because everyone who saw Patricia and David's success wanted to learn how to make money residually with digital payments.


Private Facebook groups


Patricia and David Carlin have processed billions of dollars in revenue while making 10s of millions in commission. They are the #1 Power Couple in the merchant payment processing industry.

Who is Patricia Carlin? David Carlin?

Patricia Carlin has been in the payments industry for over 20 years, making millions in the United States and overseas. When she was in high school, she had a hard time paying attention. College wasn't for her either, and she ended dropping out.

Her first job in 1998 while living in Florida was customer support for the Internet Billing Company, whose biggest clients at the time were in the adult industry. Eventually, she was able to help companies like Star launch their subscription website, NASCAR to implement their subscription billing, Time Magazine to digitize their archives, and more. She was part of the very first online merchant account in history and is today one of the most influential people in payments. 

As a consultant, her skills continue to help companies easily navigate the world of internet billing. Her clients range from mom-and-pop shops, eCommerce businesses, publically traded companies, and more.

David Carlin is from Park City, Utah and married Patricia over 10 years ago. He got into the payment processing business when he met Patricia, but was previously finding his business success in the world of eCommerce.

Together, they've generated over $20 billion of dollars in sales while earning millions of dollars in residual income. Now, they share their knowledge with others in their course, Residual Payments. David and Patricia are active on Instagram and TikTok promoting their courses. They have over 165K followers on Instagram and are growing their Meetthecarlins TikTok page with over 28.5K followers.

What is Residual Payments?

Residual Payments is a training platform by Patricia and David Carlin that teaches you how to make a residual income each month as a Digital Payments expert. According to what The Carlins say, they make, on average, $500 for each of their clients who use their credit card processing service.

What is a Digital Payments expert?

A Digital Payments expert is someone who allows a business to accept credit card or bank debit card transactions using online ordering or a point of sale system (POS). With David and Patricia, you'll learn all about the different terminals and fee structures available for merchants, all while you receive a monthly payment. There are many online business models, but this is not one many people realize they can get into.

What's inside Residual Payments?

Residual Payments offers 3 courses and several services/tools that help you get started earning a passive income as a Digital Payments expert. You will need to pay for each course that David and Patricia upsell.

1) Digital Payments Revolution (Course 1)

Digital Payments Revolution costs $17. It includes 9 videos that give more details about who they are, what credit card processing is, and how much you can make in this business model. You also learn how to identify potential clients, which ones aren't worth working with, and how to land your first client.

This mini-course won't teach you exactly how to succeed with digital payments, but it will open your eyes to what's possible.

They also invite you to join a live welcome call on Zoom with one of their team members, and others who have bought the first course. You get a formal welcome and they give you an overview of what you can expect with the business model. After you finish this course, they give you the option to pay for the Becoming a Highly Paid Agent course at a discounted price of $197. 

If you don't pay for it when they offer it to you, later on you'll pay $297.

2) Becoming a Highly Paid Agent (Course 2)

Becoming a Highly Paid Agent costs $197 and is their main training program. Before starting this course, they want you to set up a Discovery call with another one of their agents. They divided this course into 7 sections. Each section has various modules within.

Section 1 - Setting up your business  (6 videos)

In this section, Patricia and David mention the right steps to keep in mind when setting up your business profile. They also talk about the best practices for using social media and how to not fall into the trap of being dishonest or greedy in this business.

Section 2 - Identifying Opportunities (4 videos)

The Carlins touch on what industries to target, how you can identify which ones provide high margins, and how you can take advantage of working with eCom business owners.

Section 3 - Prospecting (7 videos)

In this section, you learn...

  • how to generate leads
  • how to get past the gatekeeper (Ex. secretary)
  • how many businesses you should contact each day
  • how to make businesses want to do business with you

Section 4 - Getting the Business (11 videos)

The goal of this module is to help you get business. They explain the sales cycle, share scripts you can use with business owners through email and phone, as well as how to close deals. 

Section 5 - Fulfilling/Setting up a Client (2 videos)

This module gives you an overview of how to onboard clients.

Section 6 - Scaling the Business (5 videos)

In this module, David and Patricia talk about how you can avoid common mistakes many agents make, how to make sure your clients never leave you, and why chargebacks aren't good for the relationship you have with your client or merchant bank.

Section 7 - Best Practices/Mindset (6 videos)

In the final module, they prepare you mentally for this business. Many people waste time when getting started. David and Patricia teach you how to avoid wasting time and also what industries to stay away from.

3) Residual Payments Private Facebook Group

As of June 2022, the Residual Payments private Facebook group has over 7.7K members. There are over 30 hours of extra video content for you to learn how to be successful in the payments industry and you'll be able to have any of your questions answered within.

4) Digital Payments Playbook

The Digital Payments Playbook costs $47 and is a digital book created by the Carlins that contains sales and marketing material. Its goal is to help you save time in your payments business. It contains a glossary, merchant service information, a list of industries you can serve, social media marketing material, FAQs, and more.

5) Digital Payments Agency Program (High-Ticket Course)

This is the high-ticket course Patricia and David offer. It costs $9,997 and payment plans are available. If you sign on, you get access to their High-Risk Mastery course, bi-monthly training calls, weekly classes where top performers teach methods and strategies working for them, 1 year worth of pre-made graphics you can use for social media and your website. 

You also get...

  1. Unlimited deal calls and application submissions for 90 days
  2. A dedicated account manager
  3. Access to the Inner Circle Facebook group
  4. Bi-monthly sales calls
  5. Social media and filming course
  6. Virtual assistant masterclass

6) Residual Payments Inner Circle Private Facebook Group

The Residual Payments Inner Circle is the exclusive Facebook group where they hold live Zoom meetings every Tuesday. The group has over 1.1K members and has 10 more hours of video content. You'll also get access to content that has never been released. The cost of joining this exclusive group costs $299 per month. There is no contract and you can pay month by month.

When you join, you'll get access to the newest tools, training, and newsletter that covers things like changes in POS systems, and banking rules and regulations. Patrica and David also do live deal analysis and pricing training so that everyone in the group can get the best pricing on their accounts. According to David, everyone in this group is making money.

7) Centz CRM

This CRM is a tool that was created by Patricia and David to help you and your clients manage all payments. CentzCRM costs $49 per month. It will help you generate leads and sales online through email and text message marketing. This tool helps you automate your entire business. 

Who is a potential customer for residual payments?

A potential customer for residual payments is a business who accepts payments online, which can include a startup or existing businesses. David and Patricia encourage you to only go after accounts that do at least $10,000 per month or more in credit, debit, or ACH processing.

How much money could you make from payment processing residual income?

You can make hundreds to thousands of dollars in residual monthly income from payment processing. According to GlobeNewswire, the global payments market is expected to grow from $511 billion in 2021 to more than $572 billion in 2022. As long as people are using credit and debit cards, there is an opportunity to make a real residual income in your digital payments business by helping merchants save money with their payment processing.

If that's not enough for you, in 2021, there were 5.4 million new business applications that were submitted. That shows how there are more businesses that need proper guidance with digital payments. There is plenty of money to be made as a Digital Payment expert.

Residual Payments Testimonials

On the Residual Payments sales page, you'll come across a few testimonials from some of their successful students. Two of the testimonials are from Erica and Eric.

Erica owns New England's top event planning company. She joined the Residual Payments course and took the leap to work directly with Patricia and David. With everything she's learned within this program, she's been able to help all of her business connections save money on merchant fees while she earns a comfortable residual income of thousands of dollars each month.

Eric knew nothing about payment processing when he first came across this course. After joining and implementing everything Patricia and David teach, he has closed over 80 accounts. This monthly passive income stream pays Eric $8K+. He's looking to continue increasing this monthly income two or three times that amount after taking the high-risk mastery training. He now lives a life of personal and financial freedom.

Is Residual Payments a scam?

Residual Payments isn't a scam, but this business model isn't as easy as it might seem.

Their main course is good, but it isn't enough if you want to be successful. If you already have connections to business owners, you're a step ahead. To actually make money if you don't have any connections, being a part of the Residual Payments Inner Circle and investing in their high-ticket course with more direct access to Patricia and David is the way to go.

Not everyone is going to invest $10K that easily, though.

If you're the type of person who is good at sales or interested in getting good at sales, and who has the money to invest, you may find success with this program.

For you to succeed, you need to look for any opportunity to network with other businesses. Think sales calls, networking events and even visiting local businesses in person. The Carlins love referrals and say that is one of the best ways to close more accounts.

I'm a firm believer in providing leads in advance to close deals. I've found massive success doing so in my local lead generation business that I started in 2014. Let me explain why I prefer my residual income with local lead gen over making money with digital payments processing.

Final Thoughts

Local lead generation is my #1 choice for making money online because of the control you have in your business. You build and own your digital properties and you choose exactly how much money you're going to make each month. One business owner can pay you anywhere from $500 to $5,000 per month depending on the niche and market you're in. I have one client that has been paying me $2000 per month ever since 2014.

Local lead generation

The digital payments industry is legit, but your profit margins per account can be much higher with local lead generation. Remember Eric's testimonial? He was making $8,000 per month, but had to close 80 accounts! With lead gen, you can make $8K with only a few clients, depending on the niche you're in.

If you were to close 80 lead gen deals at an extremely low fee of just $100 per month each, you'd be making almost $100K per year. If you closed 80 lead gen deal at $500 per month, you'd be making $480K per year.

Being a digital payments expert requires too much work. Unless your clients are in retail and have franchises, you're looking at a business model that will not pay you enough to live on unless you close hundreds of accounts, and that can take years to accomplish. Also, there's no guarantee that a merchant will stay working with you. Another agent can come along and offer a lower price than you do. At that point, you lose the account and make no money. 

With local lead generation, all you need to earn a solid residual income is just one client and you earn your money each month as long as you keep your properties ranked. This is a rinse and repeat business model that doesn't require much work or sales skills. Your skills are in building and ranking your lead generation sites. And if you outsource certain parts of your business, you'll be able to scale much faster, all the while earning a passive, residual income.

Over 7000 members in the local lead gen community are helping local businesses all over the globe and living the laptop lifestyle.

To learn more, read about the local lead generation training program.

Follow Me
Ippei Kanehara

$52K per month providing lead generation services to small businesses is for digital hustlers, industry leaders and online business owners.

His #1 online business recommendation in 2022, is to build your own lead generation business.

Share your experience with us.

Use below if you want to remain anonymous.

Leave a Reply

Your email address will not be published.

{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}