David And Patricia Carlin Review (2023 Update): Everything You Wanted To Know!

By: Brittney

Welcome to my David & Patricia Carlin review. My goal is to help you understand what the program is all about, how much it costs, if it’s a good use of your time, your money, and much more! It should be less than 10 minutes start to finish, so let’s dive in!
This David & Patricia Carlin 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.

The Good Stuff

They have good experience in creating real residual income.
Ads are a great way to promote
Fast way to gather leads

The Bad Stuff

Residual Payments are not for all.
The course isn't easy
It can be pricey

Firstly, Why Am I Writing This Review?

Nice to meet you, my name is Brittney!

My story starts  like many do… “slaving away” at a 9-5 job that I didn’t really enjoy, but hey – it paid the bills.

I worked for a large Fortune 500 company that performed background checks for other companies when they wanted to hire a new employee… so you know, not exactly exciting stuff.

For a lot of people, a nice stable job and predictable check coming in every month is the picture of success, but for me, it felt like I was missing out on life.

Clocking in every single day, doing the same tasks over and over again, getting home with barely enough time to make dinner and enjoy some time to myself… only to wake up again the next morning and do it all over again.

I just wanted to enjoy life without being shackled to an unfilling job. 

I wanted to be able to take vacations whenever I wanted, for however long I wanted.

I didn’t want to have to beg my boss for a salary increase that barely matched inflation.

I just wanted to be free and happy.

Then about 4 years ago (as a stroke of luck), I stumbled across a program that taught me how to make money online by actually helping real people (local US businesses).

my concrete site

The image above shows an example. This mini website brings me in around $1,250 every single month, and I haven’t touched it in over 2 years.

That’s $15,000 per year in my pocket without having to really do anything.

Just helping small mom-and-pop shops keep their lights on and grow.

So it makes sense why local lead generation is my top online business for passive income. If you’re curious how that business model works, you can read more here.

NOTE: I DO NOT WORK WITH​ David & Patricia Carlin

Who Cares About That?

99% of reviewers out there don’t have experience running an actual business. They’re writing about stuff that they have no real experience with.

Why would they do that?

They just want you to click through and buy the  program that the review is about!

I have absolutely no relationship with David & Patricia Carlin, 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.

The Digital Payments Revolution Review David and Patricia Carlin Scam

Have you ever dreamed of traveling around the globe without the stress of earning money?

It seems too good to be true, but is it? Is it possible to earn money while holding your own time?

Well, in this David And Patricia Carlin Review, you will learn how the powerhouse couple accomplished all of this.

But before that…

David Carlin’s program is an ad agency course. The basic premise is that you’ll learn how to build your own ad agency, land clients, and get them results.

Running an agency (even though they’re a bit of a commodity nowadays) isn’t a bad way to get your feet wet in the world of online business.

That said, there are a lot of moving parts with this business model:

  • Prospecting – you need to know how to find potential clients
  • Sales – you need to know how to convince those clients to give you money
  • Media Buying – you need to know how to run ads profitably
  • Copywriting – you need to know how to tailor your ad messaging for the right customers
  • Design – you need to know how to design ads/landing pages to maximize conversions
  • Email Marketing – you need to know how to follow up with prospects and customers
  • Automation – you need to know how to connect everything properly

Now, most course-sellers will try to make this easier on you by telling you they’ve managed to “automate everything”, offering “plug-and-play” campaigns, and “pre-built templates”.

Here’s the thing though:

Markets are always changing. They get more savvy as time goes on.

If you buy a program with thousands of other students, where everything is built out for you, there’s an almost 100% chance those templates don’t work.


Because if thousands of other students are using those exact same “plug and play” campaigns, tens of millions of people have already seen them, reducing their effectiveness.

Not to mention, with most agency programs, the templates are actually built by some virtual assistant in the Philippines or India, and have never actually been tested in real life.

And if they have, there’s a good chance they’re extremely outdated, since most programs don’t bother updating their templates after launching. The course creator gets too busy just trying to sell to more and more students, instead of focusing on quality education.

Now, here’s the most sinister part of this whole thing:

Most course creators market their agency courses as something you can do anywhere in the world. You might hear them say things like “The world is my office” or “This is a simple passive income business”.

That’s just plain false. Running an effective agency is in no way passive. Look at the list above, and remember that you can’t rely on pre-built templates. You’re responsible for every part of the process.

Does that really sound like a business you can do from a laptop on the beach?

See how this could be a problem?

Passive Income

Now, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Mastering 100 different roles
  • Needing to be a technology wizard
  • Working round the clock just to keep things from blowing up

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?


If that sounds like something you’d be interested in, check out Digital Real Estate. 

However, if you’d still like to know more about David Carlin, keep reading.

Who Is David Carlin?

David Carlin

David’s life could previously be summed up in one word: business.

The most common reason for individuals to hesitate starting their own enterprise is their lack of experience.

David had direct knowledge of the challenges that other company owners had when trying to get funds via the digital payments sector.

He didn’t know how much monthly residual income his sales agent was making each month. As it turned out, that’s how David got his start in the digital payments industry.

Through his successful e-commerce company and other joint ventures, David’s innovation and honesty — paired with his art of the deal — made him the driving force behind Residual Payments.

Digital Payments Revolution

Who Is Patricia Carlin

Patricia Carlin

Patricia Carlin is a well-known person in the payment business. For almost 20 years, Patricia has been popular in the field of digital payments in the United States and throughout the world.

Her rich background has given her the label of “one of the most influential persons in the payments sector.” Her efforts yielded the first-ever online merchant account.

She has collected billions of dollars in career sales and millions of dollars in residual income as a world-renowned expert. Patricia built her career by working for the world’s most notable e-commerce companies.

She is in high demand as a consultant because of her expertise in guiding businesses through the often-complicated world of international internet billing.

As the first to introduce the gold standard for establishing a residual empire while ensuring payment integrity at every level, Patricia reshaped how business can be done.

It’s her philosophy to “go for what’s best and forget the rest. Whether you are a pro or a novice, she’ll help you improve.

Residual Payments

Residual Payments Review: Digital Payments Revolution Costs

The Residual Payments Review

“Passive” or “residual income” is a strategy for companies to earn money continuously. However, since there are so many options for getting started, consumers often waste money on ineffective tactics.

Residual Payments is headed by Patricia and David Carlin, an ultimate power couple. Their premise is that it is a means to acquire a footing in the digital payments world.

Every type of internet business might profit from using a Digital Payment Agent because the only way to pay for anything online is electronic.

These are the exact same strategies they use to earn millions of dollars in commissions.

The demand is undeniable, and the earning potential is tremendous… There is a three-step method for making residual money with Residual Payments.

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

According to the company, the purpose of their website is to stimulate your curiosity about this fresh possibility that others aren’t aware of.

A timer is included in the checkout process. Scarcity marketing is a term used to describe this practice. It’s a ploy to get people to think that this is a one-time deal that will vanish at any moment.

What’s Inside Residual Payments?

Patricia and David Carlin

“The Digital Payments Revolution Course” is currently available on the Residual Payments website.

Residual Payments features a sales funnel that will walk you through a series of websites with various offers and upsells, each more costly than the previous until you’re ultimately given the option to book a sales call with one of the company’s representatives. This is only the begining.

To work with David and Patricia, they’ll try to get you to spend thousands of dollars.

The low cost of membership is because the initial purchase is only the beginning. Residual Payments has a wide variety of offers that you can take advantage of.

Their merchants have handled and processed BILLIONS OF DOLLARS in transactions.

They now want to show you how to do it through the help of Dave and Patricia Carin and their training platform, Residual Payments.

The Residual Payments

The Digital Payments Revolution

Digital Payments Revolution

This course is broken down into nine short sessions. Each one lasts around 15 to 20 minutes. The Digital Payments Revolution curriculum just touches the surface of what you MUST accomplish to be a successful Digital Payment Agent.

This course examines the merchant service sector, which is a novel business idea.

In essence, you help companies save money on payment processing services.

You will be paid a portion of all sales.

If you are good at drumming up business, I think you’ll do well with this.

After thousands of requests, David and Patricia finally decided to rip back the curtain and educate others on what it takes to become a million-dollar payments agent.

This is the best course you will ever take if you are serious about creating REAL residual income.

Residual Payments Review

How Much Does The Residual Payments Program Cost?

How Much Does The Residual Payments Program Cost

Let me explain more before we go into how much The Digital Payments Revolution costs:

This course will not educate you on merchant services.

The Digital Payments Revolution is just the beginning of a sales funnel.

It does not teach you that. You must buy the second course, Becoming A High-Paying Agent.

The Digital Payments Revolution forces you to buy the second course. Buying it now costs $197; buying it later costs $100 more. Then there’s a second upsell.

The Digital Payments Revolution is just $17 to get you in. You’re more likely to buy more expensive courses after spending $17.

Again, to fully grasp the technique, you must purchase the second course, which ranges from $197 to $297. In The Digital Payments Revolution, David and Patricia stress this.

You will be forced into a sales call with David and Patricia near the end of The Digital Payments Revolution, which might cost you thousands of dollars.

The Digital Payments Playbook

The Digital Payments Playbook

This playbook addresses the various offerings and tactics for selling merchant services.

You will also have access to marketing resources such as example scripts, difficult questions, images, social media captions, enquiries, quotes, and a posting schedule.

When you initially purchase this upsell, it costs $47. If you wait, it may go up to $79!

Are The Carlin’s A Scam?

Is it a scam?

So, are David and Patricia Carlin a scam? Not technically. You can make money with this program, but it’s definitely not as easy as Residual Payments makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – running an agency is extremely active income (NOT passive).

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re getting into this game to live life on your terms, travel the world, and generate passive or semi-passive income from anywhere, then this isn’t for you.

What if, instead, you could put in a couple hours a day (in your spare time) to build a single digital asset, and your reward was a $500 to $2,000 payment that came in every single month?

And what if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike a traditional ad agency, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Residual Income?

are there alternatives

Yes, there are plenty of other business models to choose from if you want to pursue making money online.  Here are just a few:

What Is My Top Recommendation For Making Money Online In 2022?

Digital Real Estate

The ScamRisk team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With an ad agency, you don’t really own anything. You’re a hired gun for clients, and entirely at their mercy.

Sure, you own your agency, but if your business grinds to a halt once you stop working, all you really have is a self-created job.

With Digital Real Estate (a passive income stream), you own all the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an ad agency, you’d have to double your clients OR double the monthly payment of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


5) Make Money Helping Real People: This part is what makes it all worth it. With Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent. Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours. You could continue browsing, looking at opportunities like David Carlin which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate.

Table of Contents

Brittney Here!

I get to travel the world and live life without financial worry thanks to the system below!