Residual Payments Review

Welcome to my Residual Payments review. Can you really earn residual income online by taking advantage of digital payments like you’re taught inside David and Patricia Carlin’s course, or is this just another scam to avoid?

Here’s what you need to know. At first glance, this program might look very affordable. What you probably don’t know is that to take full advantage of everything inside, you will have to spend thousands of dollars. 

This opportunity comes with a lucrative affiliate commission structure. That’s why it’s entirely possible to come across biased and one-sided reviews claiming how great the Residual Payments course is without offering any REAL VALUE that you can use in the buy or not decision.

Instead of praising this program like it’s the best thing that ever happened on the internet, I’m going to break down the entire business model so that you can make an educated decision without any hype or exaggerated claims.

You will learn exactly what to expect inside, how much it REALLY costs, what are the drawbacks of this business opportunity, and more. 

Ready? Let’s get started…

Residual Payments Review Summary

Product Name: Residual Payments

Product Type: Course on Creating a Digital Payments Business Online

Product Founders: David and Patricia Carlin

Product Price: $37 + Upsells From $197 To $5,000+

Overall Score: 45/100

Recommended: Not For Everyone!

Summary: The course is all about teaching you how to become the middle man between a business establishment and their payment processor to provide them with a better, cheaper option and pocket a small percentage from each sale as a commission.

In many ways, this is similar to affiliate marketing, where you connect people with products and services they need.

If done right, you can earn a lot of money online by becoming the go-to place for business owners that need to find a cost-effective solution to their payment processing needs.

However, getting to a point where you’re actually profiting will require a lot of cold outreach via emails, calls, etc.

Expect to face rejection regularly. You would also need to learn how to market yourself as an authority in this industry.

When you’re first starting out, most people won’t trust you to handle their money, that’s why you would need to learn how to sell yourself and your services.

If that’s something you’re comfortable with and you don’t mind spending thousands of dollars (optional) for mentorship and learning the ropes, then this business model may be what you’re looking for. 

However, if you prefer a more relaxed way of making money online, you can learn how to position yourself in front of people that are actively looking for solutions to specific problems.

By connecting them with a product or service that solves these problems, you can pocket solid commissions without ever having to do any hard selling, convincing, or cold outreach. If that sounds interesting, you should see this alternative below.

What is Residual Payments?

It’s a training course created by David and Patricia Carlin. They present this as a business opportunity to tap into the lucrative industry of digital payments.

The only way to pay online for anything is electronically, which means that EVERY type of online business could potentially use the services of a Digital Payment Agent.

The demand is definitely there, and the earnings potential is real. With Residual Payments, you can learn a 3 step process of earning residual income with this model.

According to the Carlins, they earn an average of $500 per business that buys a credit card processing service through them.

Their website is designed to get you excited about this ”brand new” opportunity that apparently no one knows about.

They even go as far as adding a timer on their checkout page. This is called scarcity marketing. It’s designed to trick people into thinking that this is a limited opportunity about to expire soon.

Obviously, David and Patricia know how to sell, but does that mean that it’s worth investing in their course? What if everything inside is a lie, just like the fake timer?

Is Residual Payments a Scam?

residual payments review legit or not

No, it’s not a scam. This is a legit opportunity to make money online, but it may not be as glamorous or lucrative as the Carlins make it look.

Not everyone is suited for this business model. If you can’t handle high-pressure situations, or if you get discouraged quickly, then Residual Payments is probably not for you.

Until you manage to build a solid portfolio of satisfied and happy clients, you will struggle a lot with getting people to use your services as a Digital Payment Agent unless you’re a natural-born salesperson.

You need to be able to convince business owners that they will be better off using the payment processing services you recommend, especially when you don’t have the experience to back up your claims.

Does that sound like something you’re willing to learn how to do properly? It can be a great and useful skill to have, but not everyone is cut out for it.

If that doesn’t sound like something you would enjoy doing, then you can learn how to leverage your passions and hobbies to make money online with this alternative below.

Who Are David and Patricia Carlin?

patricia carlin and david carlin residual payments

They are the creators of Residual Payments and the Digital Payments Revolution mini-course.

There aren’t many reviews out there about the couple and their program. According to their bio, both of them have over 20 years of experience in the digital payments industry.

David is known for his eCommerce business. Together with Patricia, they’ve processed billions of payments and generated millions in commissions. 

What’s Inside Residual Payments?

The course that’s currently being promoted on the website is called The Digital Payments Revolution.

It’s important to note that this is just the first step that opens the doors to a sales funnel that slowly but surely takes you through a series of web pages, with different offers and upsells, more expensive than the previous ones until you finally get offered to schedule a sales call with one of the Residual Payments representatives.

They will try to convince you to part ways with thousands of dollars to get the chance to work directly with David and Patricia.

The front-end price is just the beginning, which is why it’s so inexpensive to get your membership. Let’s break down each offer that you can get access to inside Residual Payments.

The Digital Payments Revolution

the digital payments revolution

This course is divided into 9 short modules. Each one is about 15 – 20 minutes long. The entire content inside The Digital Payments Revolution barely scratches the surface of what you NEED to do to become successful as a Digital Payment Agent.

Module 1 – What To Expect. This module is less than 2 minutes long. It goes over everything that you will learn.

Module 2 – Meeting Your Instructors. Over the next 22 minutes, you will learn about David and Patricia Carlin, where they come from, how they got to where they are, etc. That way, you will, ideally, get to trust the course creators, which will make you more inclined to buy any of their upsells. This is part of their marketing tactic.

Module 3 – Credit Card Processing Explained
. This module covers the entire business model in detail. That way, you know exactly what you’re getting into. Excluding all the hype, you can get a good understanding of what’s required from you to make this thing work.

Module 4 – How Much Can You Make
. Here you will get introduced to some numbers and the potential earnings that you may accumulate with this business model.

Module 5 – Real Residual Income.
This is where the Carlins explain the residual passive income potential. As an example, they use one of their oldest clients that’s been paying them for over 15 years.

Module 6 – Understanding The Opportunity. This module doubles down on the previous one to further explain the opportunity you’re presented with.

Module 7 – Locating Potential Customers. Learn why some business owners aren’t worth pursuing. As an example, you’re given Shopify store owners. They aren’t worth pitching your services because other integrated payment processors don’t work well on this particular platform.

Module 8 – Getting Your First Client
. Here you will learn what it takes to acquire your first paying client. 

Module 9 – Sales Call Time
. This is where the Carlins will encourage you to set up a 1 on 1 call with a representative of Residual Payments. This can cost thousands of dollars.

The Digital Payments Playbook

This playbook goes in-depth into the different services that you can tackle and the different ways you can sell merchant services.

You will get access to useful marketing resources, sample scripting, probing questions, graphics, social media captions, questions, quotes, and a calendar to help with your posting schedule.

This upsell comes with a price tag of $47 if you buy it the first time around. If you postpone, it may go up to $79.

Becoming a Highly Paid Agent

If you want to get a step-by-step guide that shows you exactly how to set up your business, you have to buy this upsell.

It goes over all relevant details that you need to know, including the technical side of things. When you first see this offer, you can get it for $197. After that, the price increases to $297.

Can You Get a Refund?

The Residual Payments website offers a 30-day refund guarantee for The Digital Payments Revolution course ONLY.

Everything else that’s offered is NOT covered in this guarantee. In other words, once you buy any of the upsells, you can’t return your purchase no matter what.

What I Like About Residual Payments

residual payments review pros vs cons

1. The Business Model is Unique With REAL Potential For Earning Passive Income. There’s not a lot of courses out there that teach you these things, which means that you can tap into an industry that is in demand, with less competition than most other opportunities.

2. The Industry is Growing. More business owners are turning to digital payment options than ever.

3. The Carlings Seem Legit.
In my opinion, they know what they’re doing and how to teach others as well.

What I Don’t Like About Residual Payments

1. The Refund Policy Can be Misleading. Some people may come to the wrong conclusion that the money-back guarantee applies to every single product inside. That’s why you always have to read the terms of service.

2. Expensive Upsells. The most expensive one could cost you upwards of $5,000.

3. Marketing Hype. All the scarcity tactics and excitement that they try to create on their sales page is a bit too much for me. That doesn’t necessarily indicate that the program is of low quality or anything like that. 

4. Not For Everyone. Even though it’s a good opportunity overall, not everyone can benefit from Residual Payments. You need to be a certain kind of person to become successful with this business model.

Is There a Better Alternative?

Not everyone is going to like the idea of spending thousands of dollars to get complete access to everything this program has to offer, and not everyone is suited to be a salesperson.

For some, the idea of cold calling, emailing, or contacting business owners without their explicit consent may be intimidating. 

I think that there is a better way to earn passive income online while avoiding high-pressure situations altogether.

You don’t have to invest a lot of money in courses, tools, and resources to be successful. There is a way to let other people find you, rather than you doing all the chasing and convincing.

This approach can yield way more conversions, and the startup costs are significantly lower.

From the hundreds of courses and make money online programs that I’ve reviewed on this website, I still think that affiliate marketing is the easiest and one of the most rewarding ways to create an online business, if you do it the right way, by following a method that works.

20 thoughts on “Residual Payments Review”

  1. The problem with Dave and Patricia is that their program targets those looking for a residual income, but that know nothing about the payments industry, despite the fact that options exist free of charge. There are MANY Visa and Mastercard registered Independent Sales Organizations that will happily train you as a 1099 partner free of charge. Also you can watch all of the videos from someone like James Shepherd, the CC Sales Pro on youtube free of charge making this course unnecessary. Dave and Patricia plan to make a residual on all accounts you ever board while also charging for training, they are double dipping.

    • I thought I did my research with Residual payments. I wish I had seen this article prior to spending almost $400 for the program (I assumed the program included the whole enchilada). Come to find out once you finish the modules (basically definitions, the credit card processing terms and possible income amounts), you are then given the option to work with Dave and Patricia. The price I was quoted for that was almost $15,000. It made me sick and deflated. Unfortunately, I was outside the money back guarantee time frame of one month and had to accept the loss of my “initial” investment with them. It’s hard to trust people that offer these coaching programs.

    • It sounds like you are very much “in the know” of this industry. I’d be interested in finding out the names of those independent sales organizations you mentioned. I need to make some changes to improve my finances and I’m tired of getting scammed. Thanks!

    • Greetings! Do you have any names for some registered independent sales organizations that train for free? I’ve tried Googling some combinations, but no dice. Interested in this industry but feeling really leery about working with Residual Payments.

    • Thank you so much! I was going to buy this. Luckily I found your very helpful and thorough review and after reading it I decided not to buy it, as it’s not what I thought it was, I wouldn’t make a good fit. I’m so very appreciative for people like you who put up honest reviews for programs like this. It helps people like me make a more informed decision. Thank you for looking out for people like me, we need people like you! ? ?

  2. Just recently, out of curiosity, I bought into Dave and Patricia’s “Residual Income Revolution” scheme. Paying $37.00 for the “Digital Payments Revolution”, and at checkout, an additional $17.00 upsell for the “Residual Income Multiplier”, which consisted of 5 downloadable PDFs, for a total order of $54.00. After reading through the two training modules, which were a lot more sizzle than steak and heavily interspersed with Tai-Lopez-like “you can be filthy rich too” reinforcements; featuring the big house, pics of the private jet, scenes at the ski resort, hanging out at the lakehouse, and lots of talk from Dave, projecting the good life, filled with all the riches and leisure one could ever wish for. Yes, this may not be a full-frontal outright scam, but it’s definitely every bit about taking your money and making them rich. On completion of the second module, I was put in phone contact with a very sophisticated-sounding representative who quizzed me on my expectations; what I would want from financial independence, what I would spend the money on once I became wealthy, and so on, expressing income based on tens of thousands of dollars per month. She also asked if anyone else (my wife) would be making this decision with me. After a more than 30 minutes interview, she said the next level included working directly with Dave and Patricia and their team to start building my own agency and ensured success. Then came the sticker shock. Huge red flags and a scam alert: The course, which normally cost $19,995. was available and generously discounted to an exceptionally low and reasonably priced $9,995. Unfortunately, I had to take a pass!

  3. Thank you for this review and for all the testimonials. I was about to purchase this offer until I felt a need to look up the reviews and I’m glad I did. They may not be considered a true scam, but they are as close to one as you can get….

  4. Can you imagine all the people they are scamming with the low initial start up cost. Probably making millions I always google reviews on programs like this, but most don’t think to read reviews before purchasing and that’s how they get people it’s a shame. Thanks for your review

  5. OMG amazing review! I read every word, which I usually do NOT. But this definitely is an industry I want to tap into. I wanted to take the risk and try these guys out hoping to have the income I would make pay me back but then found you and all these excellent testimonials! A special thank you to Payment Professional who gave me another option to learn this and Oscar Pender for breaking it down and what to expect. Thanks again!

  6. DO NOT get involved with these people. There scam advertisements are everywhere now, YouTube, Facebook, Google Ads, Bing ,everywhere!

    I too fell for it, like the people who decided to look into this business because the initial investment was low.

    I did start the ‘entry’ course for $29.95, and decided to purchase the ‘upsell’ of $49.00 to learn a little more about the business. Then I went for the upsell ‘Becoming a High paying Age’, which was an additional $197.00. That is when we had a zoom call with a guy in freaking Argentina who talked about how well he has done in this business. Then a Webinar was scheduled with another individual who then drop the bomb about the REAL training for $14,997.00 and “if I signed up today, it would be $9,997”. I was so irritated because the cost of the FULL training program should have been revealed up front, as I would not have got beyond the $29.95 if so. It only took me a week and half to discover this and I decided to request a refund within the 30 days refund period as they promised for a total of $275.95.

    They refunded the two SMALLER charges which totaled $78.95 and they refunded it in a weird way and not the way the initial charge that was paid. I NEVER got the $197.00 back. They told me that it would show 10-15 days in my bank account, which that didn’t make sense because they had already refunded the two smaller charges.

    I waited a week and of course nothing. So I go to email: that email is now NO LONGER VALID and was returned.

    I then sent an email to their main email:, that one now is ALSO no longer valid and was returned.

    I found one other email from a , and of course you guessed it, that one ALSO came back as no longer valid.

    So it look like this is their scam! Can you imagine how many people paid the low cost for ‘Patricia and Dave’s Residual Payment system and then like me and others may pay for the $197.00 course or more and don’t get their money returned, they are making serious bank! THAT is their “residual payment” scheme, I now sincerely believe that they do NOT make a lot of money on residual payments from credit card transactions at least not the amount or volume of business they are leading everyone to believe. There residual money making scheme shows up about 2-3 times per year and they scam people and probably make millions before they shut it down.

    They are currently a LLC operating under BIG STUFF VENTURES based out of Utah. That is a red flag in and of itself[in my experience of course not all businesses] as there have been many, many scam operations based out of Utah, as far back as in the mid 1990’s and my guess is that they may have some type of legal protection in that state, nevertheless Patricia and Dave[may not even be their real names] are straight up ruthless scammers!

    I am going to file a complaint with Facebook, YouTube, Google Ads, BBB and file a Fraud Charge with my bank to see if I can get it reversed.

    So I am letting you know officially that THIS IS A SCAM, all emails are now returned and they are NOT responding.

    Buyers Continue to Beware

    • Not a scam . Paid 10k and have onboarded 6 companies. Everyone that takes credit cards is a potential customer. They just show u how to do it. Yes there are free companies but I do best with a paid mentor option. It’s kind of like a gym membership . If u pay for one you’ll use it. If u get one for free. U Don’t.
      My chief compliant is they don’t have telephone support u have to email or Facebook them .
      Landing one solar company doing 1 million a month will make u $2500-10k a month passively. And there are thousands of solar companies. Thousands of dentists. Window companies. Gyms etc etc etc.

    • Was the information purchased at least worth a few hundred bucks or was it all just hype?

      Was there ANY type of value there to get started in the business or was it all just theory, etc to bring you to the $10k offer?

  7. The processing side of this program is legitimate and you can make money off of it. However, the way they advertise and market the training is not accurate. I paid for 1 year of support and they claimed I only paid for 3 months. I paid for 1 year of deal calls and they expired after 3 months. Then they charged me another $1k to get more. Their checkout page says you get 1 year of 1 on 1 coaching. I got ZERO. They claim they will be there every step of the way and support you the best they can. I got left hanging on many, many occasions. They claim their sales support is instant. It is not. They use Facebook and email for support requests. Far from instant. They hardly do any actual training. The only way this works for you’re already good at sales and you get off on the right foot in your community. Or you get lucky. The Carlins have little to zero impact on your success. This program is garbage.


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