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Residual Payments Review (2023): Is David & Patricia Carlin’s Program Legit?

Last Updated: April 3, 2023
By: Hope
By: Hope
Residual Payments By David And Patricia Carlin


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.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Residual Payments

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Residual Payments is teaching you to do.
I have absolutely no relationship with Residual Payments, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

As a way for people to make money while working from home, passive or residual income has gained popularity. People typically lose money due to inefficient initiatives because there are so many options and approaches for getting started.

The Carlins, a power couple who have earned millions in commissions using their technique, teach David and Patricia Carlin’s digital payments expert course at Residual Payments.

As David and Patricia Carlin teach in their course, is it possible to earn recurring money online by using digital payments?

Will it provide you with financial independence?

If you’re like most of my readers, you came across Residual Payments for one main reason:

You want to make more money than you currently make, ideally by leveraging resources you already have.

Maybe you’re even looking for a quick turnaround on some of your cash, instead of waiting years, or even decades for it to compound.

Well, you’re in good company – who wouldn’t want all of that?

There’s one thing you need to watch out for though: legitimate scammers.

The idea of making 10X on your money in a day is obviously something that would entice the masses, and so it naturally attracts a lot of bad actors into the financial products space.

Residual Payments doesn’t exactly fit into a nice category. 

At the end of the day, collecting a small piece off of credit card transactions is a… unique way to think about making money.

It’s certainly possible to make money with off the wall businesses like this, but unless you’re interested in taking years out of your life to experiment on an unproven business model, I would look elsewhere.

My #1 personal recommendation if we’re talking about starting a fully-online business has got to be the Lead Generation & Ad Agency business models.

There are a handful of programs that teach you the ropes, but my #1 choice that combines both of those business models into one is the Digital Landlords program

But, if you’re hard pressed to jump head-first into an off-the-wall business model, let’s continue on to our full breakdown of Residual Payments.

What Is Residual Payments?

Be A Digital Payment Agent With Residual Payments

David and Patricia Carlin created this training course. They sell this to break into the lucrative digital payments market.

Because electronic payment is the only way to pay for anything online, pretty much any internet business could profit from the services of a Digital Payment Agent.

The demand is undeniable, and the profit potential is significant. You may learn a three-step method for generating residual money using Residual Payments.

According to the Carlins, each business that employs their credit card processing service pays them an average of $500.

Their website is designed to spark your interest in this fresh opportunity that no one else seems to know about.

On their checkout page, they even have a timer. Scarcity marketing is the term for this type of marketing. Its purpose is to deceive customers into thinking that this is a limited-time offer that will shortly expire.

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

Who Is Patricia Carlin? And David Carlin?

The Carlins - Founder of Residual Payments

They developed Residual Payments and a mini-course on the Digital Payments Revolution.

There aren’t many reviews of the couple or their course online. According to their profiles, each has over 20 years of experience in the digital payments industry.

David is well-known for his online business. They’ve processed billions of payments and earned millions in commissions with Patricia’s help.

What’s Inside Residual Payments?

The Digital Payments Revolution - The 1st Step In A Sales Funnel

The course’s name is The Digital Payments Revolution, and it’s now available on the website.

It’s important to remember that this is only the first step in a sales funnel that will lead you through a series of web pages with various offers and upsells, each more expensive than the last until you’re finally offered the opportunity to schedule a sales to call with one of the Residual Payments representatives.

They’ll try to persuade you to forego thousands of dollars to work with David and Patricia personally.

The first fee is merely the beginning of the membership fee, which is why it is so inexpensive. Let’s take a look at each deal available under Residual Payments.

The Digital Payments Revolution

Save Money On Payment Processing

This course is divided into nine smaller sections. Each one is about 15 to 20 minutes long. The information in the Digital Payments Revolution barely scratches the surface of what you must do to be a successful Digital Payment Agent.

This course covers the merchant service industry, a pretty unusual business model.

In essence, you assist businesses in saving money on payment processing.

A portion of all transactions will be paid to you.

If you’re good at drumming up business, I think you’ll have a lot of success with this.

Module 1: This module is under 2 minutes long. It covers all you’ll need to know.

Module 2: This is all about getting to know your professors. During the next 22 minutes, you’ll learn about David and Patricia Carlin, where they came from, how they got to where they are, and so on. Theoretically, you will grow faith in the course creators. They use this marketing tactic so that you’ll be more inclined to buy their upsells.

Module 3: This section goes over how credit cards are processed and dives into the entire business concept in depth. This way, you can see exactly what you need to do to get this thing to work.

Module 4: What is the maximum amount of money you can make? You’ll be introduced to some numbers and the potential revenue streams that this business concept can generate.

Module 5: This module covers real residual income. In this part, the Carlins discuss residual passive income opportunities. They give the example of one of their oldest clients, who has been paying them for over 15 years.

Module 6: Recognizing the opportunity is the sixth module. This lesson builds on the previous one to help you better understand the opportunity you’ve been given.

Module 7: Identifying potential clients is the seventh module. Find out why some entrepreneurs aren’t worth your attention. As an example, you are given Shopify store owners. It’s not worth selling your services to other integrated payment processors because they don’t work well on this platform.

Module 8: is all about finding your first client. In this section, you’ll learn what it takes to land your first paying client.

Module 9: Now is the time to make a sales call. The Carlins will recommend that you plan a one-on-one appointment with a Residual Payments representative at this point. If you buy, this might cost you thousands of dollars.

The Digital Payments Playbook

Avail The Discounted Price Of $47 Now

This playbook digs deeper into the numerous services you can provide and how you may sell merchant services in this playbook.

You’ll get access to essential marketing assets, including sample writing, probing inquiries, images, social media captions, quotations, and FAQs, as well as a calendar to help you manage your posting schedule.

This upgrade will set you back $47 if you buy it for the first time. If you wait too long, the price could increase to $79.

Becoming A Highly Paid Agent

Take Advantage Of The 30% DiscountIf you want a step-by-step tutorial on setting up your business, you’ll need to purchase this upsell.

It covers all of the critical facts that you need to know, including the technical side of things. This offer is available for $197 when you first see it. After that, the price jumps to $297.

Can You Trust Residual Payments For Payment Processing?

Natural - Born Salesperson This One Is For You

Residual Payment isn’t a rip-off.

This is a legitimate way to make money on the internet, although it might not be as spectacular or lucrative as the Carlins represent.

This is not a business model for everyone. If you can’t manage high-pressure situations or if you become discouraged quickly, Residual Payments is probably not for you.

You’ll have a hard time convincing customers to hire you as a Digital Payment Agent unless you’ve created a solid portfolio of satisfied and thrilled clients or you’re a natural-born salesperson.

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

Is it something you’d like to learn how to do correctly? It’s a valuable skill to have, but it’s not for everyone.

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

You must be a hustler to complete this training.

So, this course isn’t for you whether you’re an introvert or a creative person.

You must email, call, and physically visit businesses to set up appointments to generate money.

This course might be for you if you’re good at that kinda thing.

What is the cost of the Residual Payments Program?

Is It Worth Your Money

Before we go into the Digital Payments Revolution costs, let me be clear:

This course does not cover the merchant service, business model.

The Digital Payments Revolution is just the beginning of a sales funnel that explains the company’s strategy.

It does not instruct you on how to start a business.

The second course, Becoming A Highly Paid Agent, must be purchased.

When you buy The Digital Payments Revolution, you’re also obligated to buy the second course.

If you buy it now, it will cost you $197; if you wait till later, it will cost you $100 more.

After that, there’s a second upsell.

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

You’re more likely to buy the more expensive courses after you’ve paid $17.

So, once again, if you want to understand the technique fully, you’ll need to invest in the second course, which ranges in price from $197 to $297. Throughout The Digital Payments Revolution, David and Patricia underline this.

Finally, near the end of The Digital Payments Revolution, you will be pushed into a sales call with David and Patricia, which might cost you hundreds of dollars depending on what you buy.

Is It Possible To Get A Refund?

30 - Day Money - Back Guarantee

The Digital Payments Revolution course is only available with a 30-day money-back guarantee on the Residual Payments website.

This warranty does not apply to any other services provided. In other words, you will not be able to return any of the upsells once you have purchased them.

Is it Possible to Make Money From Residual Payments?

Grow Your Money Online Thru Digital Payments

Yes, in the digital payments world, you can have a monthly residual income! But, contrary to what the Carlins claim, I doubt you can make millions or become a million dollar payments agent.

As you can see…

Many people struggle with the numerous aspects of the digital payments industry.

Don’t get the wrong impression…

It’s not impossible to make money in the digital payments industry, but if you’re going to put in the time and effort to learn the ropes (which, believe us, isn’t simple), you may as well make some real money while you’re doing it.

The approach that has helped numerous online businesses grow to over $40,000 per month is so straightforward that producing money becomes second nature.

Is Residual Payments A Scam?

Not A Scam! But Digital Landlord Is Better Than Residual Payments

Time for the $1,000,000 question: is Residual Payments actually a scam?

I wouldn’t technically call it a scam, though others might.

It’s technically possible to make money with this program, so in that sense it isn’t a scam. But it’s not nearly as easy as David and Patricia Carlin make it out to be.

What I’m saying is: after buying, someone will in fact send you a login to a website where you can actually view their material. No one is riding off into the sunset with your money, leaving you empty handed… technically speaking.

But the second, more important question is: is Residual Payments actually worth the investment?

My honest answer is that for most people out there, probably not.

There are countless other business models that are proven & easily scalable, so why risk it for… not an incredibly huge payoff?

I’d rather a program with thousands of successful students & plenty of room for others to join.

If you’ve followed my blog for long, you know I recommend a few different programs depending upon your skills & goals.

My current top choice is becoming a Digital Landlord, because you have a proven, systematic path to 6-figures, and you can do it from anywhere you want.

I’ve got friends in there that are posting deals from the middle of the woods in a camper-van with their pet pig… which is kinda cool.


Is Residual Payments Legit?

Learn From The Carlins

Residual Payments is a trustworthy company. The Carlins will show you how to make money online using the exact same strategies.

It will assist you in getting started in the digital payments business while also creating real residual income. Building a profitable and successful digital payments business is viable…

However, you have several options when it comes to starting a business.

Remember that none of the programs I review are paid to promote them. Digital payments, in my opinion, are a fantastic business concept, but you risk losing a lot of money.

What Is My Top Recommendation For Making Money In 2023?

Digital Landlord - Making Real Money Online

Alright, time for me to get real with my lovely readers for a moment:

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet-bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

THAT BEING SAID: I would at least recommend you implement something that is tried and true, because I’ve seen TOO MANY people (including friends and family) get burned by stuff like Residual Payments.

They come out of left field with some random idea, make it seem attractive, and then make themselves a quick buck by luring in unsuspecting people. 

I’m not saying Residual Payments itself is no good, I’m just saying you need to be very, very careful.

This is a big reason why I only recommend proven, tried and true business models, like Lead Generation & Ad Agencies.

There are a bunch of programs out there that teach you those skills, but my top choice is the Digital Landlords program.

Why? It has proven leaders with their own 7-figure businesses implementing exactly what they teach you.

I’ve also got over a dozen personal friends in there, so I feel comfortable telling you it works.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, their program works.

Here’s Why:

Time: If you’ve got a spare hour-or-two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring (for the most part).

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.


Big Margins: With most businesses, you’re often going to have really slim margins. That means you need to hit a serious scale to make serious money. 

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best case scenario, you have properties bringing in over $3,000+/mo on “auto-pilot”.


It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with digital payment processing, you would need process double the volume of transactions, or double your profit per transaction. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.


You’re Helping REAL People: My biggest gripe with this idea of skimming off the top of credit card transactions is that you’re basically only helping yourself.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If we can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put FOOD on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.


So, the rest is up to you. You could keep looking at other off the wall business models like Digital Payments and maybe hit it big one day.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.

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