Residual Payments Review (2023): Scam or Legit?

Many people want to make money from home without much effort, which is why the idea of passive income is becoming popular. However, it can be challenging to find the right strategy among the many options available.

That’s where Residual Payments comes in. It’s a platform created by Patricia and David Carlin that aims to teach you how to make a steady monthly income by becoming an expert in digital payments. They claim to make about $500 for each client who uses their credit card processing service.

In other words, the Carlin’s course suggests using digital payments to earn ongoing income online. But does it actually work as they say?

To help you decide whether Residual Payments is worth your time, I’ve done thorough research on the platform. I’ll give you all the important details you need to know.

Finally, I’ll also introduce you to a more effective alternative that has helped me establish a consistent passive income.

In this review of Residual Payments, we’ll cover the following topics:

How Does Residual Payments Help You Make Money?

The Residual Payments course, created by Patricia Carlin and David Carlin, teaches you how to become a Digital Payments expert and earn money online.

A Digital Payments expert is someone who helps businesses accept credit card and bank debit card payments, whether it’s through online ordering systems or point-of-sale systems (POS).

Here’s how it works: you help businesses save money on their payment processing systems, and every time a business accepts a credit card payment, you get paid. These payments come in month after month, automatically, as long as the business keeps using your services.

Patricia and David say that once you become a Digital Payments expert, you’ll consistently make money.

To get a clearer picture, you can watch their presentation of the business model below:

Who is Patricia Carlin? David Carlin?

Patricia Carlin has more than 20 years of experience in the payments industry, where she has earned millions in both the United States and abroad. Her journey to success had a unique start, as she struggled with traditional education, eventually dropping out of college. In 1998, she began her career in Florida with a customer support role at the Internet Billing Company, whose primary clients were in the adult industry.

Patricia Carlin

However, Patricia’s expertise expanded far beyond that niche. She played a crucial role in helping well-known organizations like Star launch their subscription websites, assisted NASCAR in implementing their subscription billing system, and aided Time Magazine in digitizing their extensive archives.

Notably, she was part of the very first online merchant account in history and is now recognized as one of the most influential figures in the payments industry.

As a consultant, Patricia continues to assist businesses of all sizes, from small mom-and-pop shops to thriving eCommerce ventures and even publicly traded companies, by guiding them through the complexities of internet billing.

David Carlin, originally from Park City, Utah, married Patricia more than a decade ago. He entered the payment processing field when he met Patricia, but prior to that, he had already achieved significant success in the world of eCommerce.

David Carlin

Together, Patricia and David have an impressive track record, having generated over $20 billion in sales and earned millions in residual income. Today, they generously share their wealth of knowledge through their course, Residual Payments.

You can also find them actively connecting with their audience on Instagram and TikTok, where they promote their courses and have gathered a substantial following of over 165K on Instagram, as well as growing their Meetthecarlins TikTok page with more than 28.5K followers.

Recommendation: Here’s The Best Alternative

What’s Inside Residual Payments?

Residual Payments

Residual Payments offers a comprehensive package that equips you with the skills and tools to start earning a passive income as a Digital Payments expert. Here’s what you’ll find inside:

1) Digital Payments Revolution (Course 1 – $17):

  • This course includes 9 videos that introduce you to the world of Digital Payments.
  • You’ll learn about credit card processing, income potential, and how to identify potential clients.
  • It’s a starter course that opens your eyes to the possibilities in the field.
  • You’ll also have the opportunity to join a live welcome call with the team.

2) Becoming a Highly Paid Agent (Course 2 – $197):

This is the core training program, divided into 7 sections.

  • Section 1 covers setting up your business and using social media effectively.
  • Section 2 helps you identify lucrative opportunities and industries to target.
  • Section 3 dives into prospecting, lead generation, and effective communication.
  • Section 4 focuses on acquiring clients and provides sales scripts.
  • Section 5 guides you through client onboarding.
  • Section 6 discusses scaling your business and avoiding common mistakes.
  • Section 7 offers insights on best practices and the right mindset.

3) Residual Payments Private Facebook Group:

Residual Payments Private Facebook Group

  • A thriving community with over 7.7K members.
  • Access to over 30 hours of extra video content for industry success.
  • A platform to get your questions answered.

4) Digital Payments Playbook ($47):

Digital Payments Playbook

  • A digital book containing sales and marketing material.
  • Includes a glossary, merchant service info, industry lists, and more.
  • A valuable resource to streamline your payments business.

5) Digital Payments Agency Program (High-Ticket Course – $9,997):

  • An elite program with payment plans available.
  • Access to the High-Risk Mastery course, bi-monthly training calls, and weekly classes.
  • Offers a year’s worth of pre-made graphics for social media and your website.
  • Includes unlimited deal calls, a dedicated account manager, and access to an exclusive Inner Circle Facebook group.

6) Residual Payments Inner Circle Private Facebook Group ($299/month):

Residual Payments Inner Circle Private Facebook Group ($299:month)

  • An exclusive group with over 1.1K members.
  • Features live Zoom meetings every Tuesday and 10+ additional hours of video content.
  • Access to unreleased content, tools, training, and newsletters.
  • Live deal analysis and pricing training.

7) Centz CRM ($49/month):

  • A powerful tool developed by Patricia and David to manage payments for you and your clients.
  • Helps automate your business, generate leads, and conduct email and text message marketing.

Recommendation: Here’s The Best Alternative

How Much Can You Earn from Payment Processing Residual Income?

If you’re considering entering the world of residual payments, your potential clients are businesses that handle online payments, whether they’re fresh startups or well-established players. Here’s a tip: target accounts processing at least $10,000 per month in credit, debit, or ACH transactions. These are the ones that can offer you a solid income stream.

In this line of work, your monthly residual income can vary widely, ranging from hundreds to even thousands of dollars. The key here is to find and work with the right clients.

According to GlobeNewswire, the global payments market is on an upward trajectory, expected to reach over $572 billion in 2022 from $511 billion in 2021. As long as people continue swiping their credit and debit cards, the potential for a substantial income in the digital payments business remains strong.

In 2021, a whopping 5.4 million new business applications were submitted. This indicates a growing demand for expertise in digital payments. There’s a clear opportunity here for those who can offer guidance and assistance.

Who is Residual Payments for?

Residual Payments is a fit for those who thrive on hustle and direct communication. If you’re an introvert or a creative type, this might not be your ideal course.

To succeed here, you’ll need to proactively reach out to companies through emails, phone calls, and in-person visits. If that sounds like your strong suit, this course could be a good fit for you.

Are Students of Residual Payments Getting Results?

On the sales page of Residual Payments, you can find three testimonials…



Erica, the owner of a prominent event planning company, found Residual Payments appealing because it offers a consistent monthly income that doesn’t reset like her event-based income. Through training and guidance from Patricia and David, she’s not only secured stable revenue but also helps her fellow vendors save money on merchant service fees, benefiting both her and her connections.



Eric shares his inspiring journey from knowing nothing about payment processing to building a residual income empire of $8k per month with the help of Residual Payments and David and Patricia Carlin. He’s now expanding his expertise into higher-margin industries and looks forward to potentially doubling or tripling his residuals. Eric emphasizes how this career has transformed his family’s life, providing personal and financial freedom.



Andrew, with a background in investment and mortgage banking, was amazed by the lucrative possibilities in the digital payments industry introduced to him by Patricia. He now dedicates his time to helping businesses find better credit card processing solutions, earning a percentage of each transaction every month as a Digital Payments Agent. He describes the training as excellent and the perfect first step into this exciting and profitable world.

However, I couldn’t verify their identities…except for Andrew…

I discovered that Andrew’s full name is Andress Cass. He is the founder of Pipeline PRO. It doesn’t seem like he’s someone who needs to work as a digital payment agent.

Here’s a snapshot of his bio:

Andrew J. Cass

Recommendation: Here’s The Best Alternative

How Much Does Residual Payments Cost?

“The Digital Payments Revolution” comes at a budget-friendly $1. However, be prepared for a potential upsell experience with the Carlins.

For instance, according to David and Patricia, if you want to become a highly paid sales representative, you’ll need to get the second course. If you purchase it right away, it’s $197. But if you wait, it’ll cost you an extra $100, totaling $297.

As you progress, be aware of other upsells. Some students have reported additional expenses, possibly exceeding $5,000, depending on their choices.

Refund Policy

For “The Digital Payments Revolution,” the initial $1 course, there’s a straightforward 30-day “no questions asked” refund policy.

However, when it comes to upsells, it’s important to note that we couldn’t locate verified information about refund options. This suggests that all sales related to upsells may be considered final.

The Pros and Cons of Residual Payments

The Pros

  • Expert Guidance: With the Carlins boasting a combined 30 years of experience in digital payments, Residual Payments offers expert guidance and insights into the industry. 
  • Lucrative Income Potential: Residual Payments presents an opportunity to generate monthly residual income. Whether you’re capable of securing numerous small clients or establishing relationships with large franchises, the potential for substantial earnings is a significant advantage.
  • Dedicated Support: The presence of 24-hour live chat support upon joining the program is a valuable resource. It ensures that participants have access to immediate assistance and answers to their questions.

The Cons

  • Scarcity Marketing Tactics: Residual Payments employs scarcity marketing techniques to create a sense of urgency. This can be off-putting for those who prefer a more transparent and relaxed approach.
  • Lack of Transparency: Prospective learners are left in the dark about the main course’s content until after they’ve invested in two mini-courses. 
  • No Refund Policy for Main Courses: Residual Payments has a strict no-refund policy in place for their main courses. This absence of a refund option can be a significant drawback, especially for those who may not find the content or program suitable.
  • High Costs and Expensive Upsells: Residual Payments can become a costly investment, as the main course comes with a high price tag, and there are additional expensive upsells along the way. 

Recommendation: Here’s The Best Alternative

Is Residual Payments a Scam?

Residual Payments is not a scam, but it’s not a cakewalk either. 

Their primary course is a good starting point, but it might not be enough for success. If you already know business owners, great. If not, consider joining the Residual Payments Inner Circle and going for their higher-priced course for more personalized guidance.

Keep in mind that not everyone can easily drop $10K or more into this program.

If you’re a sales whiz or eager to become one and have the money to invest, you might thrive here.

Your success hinges on networking with other businesses. Think making sales calls, showing up at networking events, and even visiting local businesses in person. The Carlins swear by referrals as a top way to close deals.

Is There A Better Way to Make Money Online?

If you want to make a full-time passive income, I’d suggest you to start an affiliate marketing business online.

In affiliate marketing, you can run your business almost at zero cost without any trouble from sourcing products or managing inventory.

Also, since you don’t need to spend hours after hours selling things over the phone, it can save you a lot of time. 

If you want to learn affiliate marketing, I’d recommend you to get started with the most reputable platform for affiliate marketing: Wealthy Affiliate.

Wealthy Affiliate is an all-in-one platform for building your affiliate marketing business from scratch. It offers you a free account (including a free website) with comprehensive training on SEO (free traffic methods), which enables you to get started with affiliate marketing right away without paying a penny.

But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while using free traffic methods.

Wealthy Affiliate Testimonial

For more information, you can check out our full review of Wealthy Affiliate

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