Residual Payments Review

Residual Payments review. The Residual Payment program gives you insights on how you could become an expert in digital payments. This would allow you to make passive income by advising businesses to cut costs in their payment processing operations. Because this is another online training course, you may be worried about its legitimacy.

The course may help you discover solutions to help businesses with digital payments. Given the world's transition to digital payments, there may be a big money-making opportunity. This model allows you to create passive income on every credit card purchase a firm accepts, allowing you to make money without much effort.

In our Residual Payment Review, we break down the contents of this program, its business model, and the price to help you determine if it is a scam or not. Stick around to see if this could be your next big move to make passive income!

What is the Residual Payments Program?

The Residual Payment Program is an online training course started by Patricia and David Carlin. It teaches you how to become an expert in digital payments. We’re here to explain what are residual payments and how this course claims to help you become an expert in them.

This program teaches you how to help businesses integrate digital payments into their operations while potentially opening up the possibility of making a commission off every purchase.

Patricia and David claim they make $500 for each of their clients who use their digital payment processing service; however, we’re not convinced that it’s that simple. The program will teach you to help businesses accept credit or debit card transactions through a point-of-sale system or online payments. It claims you’ll take on a consultant role in the business, making a small percentage of each sale.

Essentially, the program may allow you to become a broker who facilitates payments between a business and its customers. They claim that many people don’t realize the importance of brokers in between for this purpose; however, we’re having a hard time accepting this claim. 

Who are Patricia Carlin and David Carlin?

Patricia and David Carlin are a duo who have been in the payment processing industry for over two decades. They claim they're the leading individuals to help firms adopt digital payments into their industry. Both boast many influential clients who've helped digitalize their payments.

In 1998, Patricia started in the Florida workforce as a customer service representative for an Internet Billing Company organization. From there, she learned how to integrate digital payments into many businesses, helping her launch her own service. She eventually helped big businesses such as and NASCAR implement digital billing. She was involved in the first-ever online merchant account and is now considered a major player in the payments industry.

David Carlin was also a seasoned expert in the e-commerce industry but decided to switch to digital payments when he met Patricia. Their expertise in this area as consultants has helped several businesses streamline their internet billing processes. The duo’s customers include both large corporations and small businesses, online and offline, private and public.

They claim they’ve made nearly $20 billion in sales and have a combined residual income of several million dollars. They have taken their experience and put it into a course called Residual Payments so that others can benefit. However, at the end of the day, these claims are unverified, and it may be hard to tell if they are true.

What are the contents of the Residual Payments Program?

The Residual Payments course is available on the website The program consists of different modules which have different prices. The first step of the program seems to be a sales funnel to fall into a loop, and that’s because the modules keep getting progressively more expensive.

Remember that this is just the beginning of a long sales process that will conclude with an invitation to book a sales pitch with a Residual Payments salesperson. While the first module may seem reasonably priced, you’ll have to fork out thousands actually to get to the end of the program. 

Let’s dive deep into the contents of the program to determine if it is worth your money and time.

#1 Digital Payments Revolution

The first module of the Residual Payments Program is the Digital Payments Revolution. It consists of nine short sections that are each about 20 minutes long. This program only touches the surface of becoming a digital payments expert and doesn’t really dive into the depths of how the business model works.

If you’re unsure about the course, the first program may help gauge if it’s your thing. However, since it is essentially an introductory course, you won’t learn much about making money. It seems like they’ve saved the details for the next program, which is clearly an upsell. Many of the Digital Payments Revolution reviews back this claim.

The nine modules discuss the following topics:

Module 1

This module includes a short two-minute video introduction. It briefly summarizes the contents of the Residual Payments Program and discusses everything you can expect to learn.

Module 2

In this module, you’ll discover more details about the program’s founders, David and Patricia. You’ll learn more about their history and where they live. Furthermore, they discuss how they became top digital payment experts and how you can learn their ways to be on the same path.

This module lasts twenty-two minutes and is intended to help customers build trust in the program. This is possible because they'd want you to purchase the upsell later down the line.

Module 3

Module 3 finally dives into explaining how this program functions. The program explains credit card processing and how you can make money through their business model. This is also the stage where many will realize if the program is suitable for them since it'll paint a clear picture of what can be expected.

Module 4

Having explained the business model in the previous model, you'll learn how to start generating income. You'll be taught about the opportunities to make money and the numbers, explaining how this business model functions.

residual payments scam

Module 5

This section will teach you various ways to make residual income. This is where you'll discover potential ways to generate residual income, including a brief lesson from the Carlins about their experience. They'll also introduce you to one of their very first clients, whom they've been helping for nearly 15 years. 

Module 6

This module is a continuation of the previous model. It further discusses the opportunities and reinforces whatever you’ve learned previously. A few topics will be discussed in more detail in this module.

Module 7

In module 7, you'll be taught how to identify potential clients. This is crucial to helping your plans succeed since you'll need to market your services carefully. Not everyone requires an intermediary, especially online stores with integrated payment systems. Instead, you may learn ways to find clients who really need your service.

Module 8

Towards the end of this program, you’ll be taught ways to reach your first potential client. The Carlins cover how to communicate and close a deal with your clients.

Module 9

This module doesn't really explain much. Simply put, this is a sales pitch for their next program, which can cost thousands of dollars!

#2 Becoming a Highly Paid Agent

The second course is their primary training program that could help you start your journey into earning residual payments. It is an upsell from the previous course, which did not contain valuable information to teach you anything useful.

This course consists of 7 sections where you’ll be taught how to set up your business, identify opportunities, and run your business. It also discusses scaling your business; however, we haven’t seen a single section that explains how your business will work. 

#3 Digital Payments Agency Program

This is the Carlins’ most expensive offering. This program costs a staggering $9,997, but you can divide your payments. This program gives you access to their High-Risk Mastery course, which claims it will help you run a successful micro agency. Essentially, you’ll be taught to take the residual payments business model and expand it on a larger scale.

The Digital Payments Agency Program consists of training calls, weekly classes to reinforce your knowledge, and pre-made images for you to use on your social media. You'll also be given insights on ideas working for other individuals for the program; however, the program's cost is unjustifiable.

How much does the Residual Payments course cost?

The Residual Payment Program consists of three courses. The first one, the Digital Payments Revolution, costs a mere $17. That’s because it’s an introductory course that doesn’t dive into the depths of how the model technically works.

The next course, however, costs $297. During the first course, you’ll be invited to one of their sales calls and be offered to buy the Becoming a Highly Paid Agent course for a discounted price of $197.

The last course is the Digital Payments Agency Program which costs a whopping $9,997. Given its steep price, we’ve had a hard time justifying it.

Are there any additional costs?

There are a few additional costs associated with the Residual Payment program. Aside from the upsell midway through the program, you’ll need a few extras to complete the program.

Digital Payments Playbook

This is a digital book that claims to contain valuable insight into sales and marketing. It aims to help you save time while you run your residual payments business. Efficiency is important; thus, we can see why this book could be useful.

The Digital Payments Playbook costs $47. It contains information on a list of industries your business could serve. With merchant service information, frequently asked questions, and social media marketing material, this book could provide valuable insights into the industry.

Centz CRM

This program offers another tool aimed at making your business simple. If you’re running a payment business, you may require an application such as Centz CRM to help you manage all the payments you’ll be processing.

The tool costs $49 monthly; however, similar tools on the internet are better. They claim the tool may help you generate leads and sales, but it may not be so simple.

Is Residual Payments Legit?

The Residual Payment Program is a legit course that could teach you how to make money from digital payments. After careful consideration, we are certain the program is not a scam; however, there are a few problems you’ll need to consider.

The business model isn't simple, and there is a high chance you'll not get far just by completing this course. As an individual, you'll probably have a hard time making connections. While the program does help you gain some experience, you'll have to spend thousands to gain relevant information.

Residual Payments Course Review- Are there any complaints?

While the Residual Payments Program is not a scam, many users have complained about a few dodgy tactics to get users to register for the program. A few users reported that the program was nothing like it was advertised. One user, who spent $10k on this program, complained that the program did not have any worthwhile information and then was denied a refund.

residual payments complaints

Residual Payments Program Pros and Cons


  • Based on a legit business model that could be profitable 
  • The Carlins are highly experienced in the industry
  • Useful tools that could help simplify the processing of payments


  • The initial program does not offer much information
  • Contains expensive upsells that hook you to the program
  • No money-back guarantee on the upsells
  • Sales and prospecting skills required, so not for introverts

Residual Payments review verdict

The Residual Payments Program teaches a reliable business model with great potential for making passive income. It consists of three separate courses that could train you to bridge the gap between businesses and digital payments. This could potentially allow you to make a small commission on each sale!

However, the business model is not as glamorous as the Carlins make it seem. Sales skills will be required to convince businesses to use your service.

Furthermore, the program is not cheap. With three upsells that progressively get expensive, we’re having a hard time recommending this program to beginners. Also, since a money-back guarantee isn’t offered on the main courses, you’ll be taking a significant risk signing up. 

About the Author

Having been affiliate marketing since 2012, John has made multiple 6-figures in sales, both as an affiliate and as a digital product creator, in the real estate, digital business and other niches.

John is Scottish, but now lives in East Texas with his wife, three children, one dog, and eight chickens. He enjoys snowboarding (not in Texas), travel, and talking Bible prophecy to anyone who’ll listen!

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