Residual Payments Review (2023 Update): Best For Making Passive Income? Well, #13 Raises Some Eyebrows!

By: Brittney

Welcome to my Residual Payments 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!
residual payments
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.

The Good Stuff

It has a unique model with huge potential for passive income online.
There is a lot of growth in this industry because more businesses are using digital payment methods.
Carlings are experts in what they do and can teach others how to do it as well.

The Bad Stuff

The refund policy is not applicable to all products.
Upsells might cost up to $5,000.
False scarcity and overhype are used in marketing.
It is not for everyone.

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 Residual Payments

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 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.

Residual Payments Review 2022

Passive income, also known as residual income, has grown in popularity as a way for businesses to make money while working from home. However, with so many options and methods to choose from, most people end up losing money.

The digital payments expert course from Residual Payments features teaching from David and Patricia Carlin, a power couple who have made millions of dollars with their technique.

As described in David and Patricia Carlin’s course, is it possible to generate residual income online via digital payments?

Is it going to give you financial freedom?

If you want to build real wealth online (to the tune of $40,000 PER MONTH), check out our #1 recommendation here.

But before we get too deep…

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.

Residual Payments: Overview

You probably discovered Residual Payments for the same reason you might have come across any other financial newsletter, stock trading service, or investment program:

Because you want more money in less time.

And chances are, you want to quickly multiply the money you do have (as opposed to waiting months or even years to see a decent ROI).

This is a really exciting promise, and it’s probably why the financial publishing and training industry is worth billions of dollars.

The problem is, because the idea of doubling, tripling, or 10X-ing your money in a few minutes to a few days is so enticing, there are a ton of shady characters in this space.

But, putting that aside, let’s say every investing guru and “trading expert” on the internet had the best of intentions.

Even with proprietary algorithms, a room full of supercomputers, and a team of rocket scientists, most of these experts would be lucky to get it right 20% of the time.

Now sure, we’re talking about asymmetric bets here, so theoretically the winners should more than make up for the losers.

But in order to make that happen, you can NEVER miss a trade. With a 20% success rate (speaking optimistically), one missed winner could turn a profitable month into a loser.

That’s a lot of pressure and a lot of stress (not to mention a lot of losing) with not much certainty.

Passive Income

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

An income stream that doesn’t require:

  • Constantly monitoring your phone for buy/sell alerts
  • Obsessively watching charts and movement
  • The emotional roller coaster and angst of hoping one winner can cover the last 8 losses
  • Gambler’s odds (20% chance of success is worse than the odds of winning at Blackjack)

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 monitoring charts, trades, and alerts?


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 Residual Payments, keep reading…

What Is Residual Payments?

An overview of Residual Payments

David and Patricia Carlin created this training course. They market this as a potential business opportunity to enter the lucrative digital payments market.

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

The demand is clear, and the earning potential is huge. You may discover a three-step technique for making residual money with Residual Payments.

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

Their website is designed to capture your interest in this unknown new opportunity.

On their checkout page, they even add a timer. This is referred to as scarcity marketing. Its purpose is to trick consumers into assuming that this is a limited-time offer that will shortly expire.

Clearly, David and Patricia know how to sell, but is it worth it to invest in their course?

Who Is Patricia Carlin? And David Carlin?

Residual Payments creators

Residual Payments and the Digital Payments Revolution mini-course were created by them.

There haven’t been many reviews of the couple or their course. But, according to their profiles, each has over 20 years of experience in the digital payments industry.

David is well-known for his eCommerce business. They’ve processed billions of payments and made tons of commissions with Patricia.

What’s Inside Residual Payments?

Courses – Residual Payments

The website is now marketing a course called The Digital Payments Revolution.

It’s important to note that this is merely the first step in a sales funnel that will gradually but steadily drive you through some web pages with different offers and upsells. Each one costs more and more until you’re asked to schedule a sales call with a Residual Payments reps.

They will try to convince you to spend thousands of dollars in order to work directly with David and Patricia.

Because the initial cost is just the beginning, membership is very low. Let’s go over each offer available within Residual Payments.

The Digital Payments Revolution

The Digital Payments Revolution

This course is divided into nine short parts. Each one lasts between 15 and 20 minutes. The content in the Digital Payments Revolution barely scratches the surface of what you NEED to do to be a successful Digital Payment Agent.

This course discusses the merchant service industry, which is an unique business concept.

Basically, you help businesses in saving money on payment processing.

You will be paid a percentage of all transactions.

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

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

Module 2: Getting to Know Your Instructors. During the next 22 minutes, you will hear about David and Patricia Carlin, their background, and how they become successful, and more. Theoretically, you will gain trust in the course developers. As a result, you are more likely to buy any of their upsells. This is a marketing approach that they use.

Module 3: This part discusses credit card processing. This module dives into the whole business model. You’ll know exactly what you’re getting yourself into this way.

Module 4: How much money can you expect to make? You will be introduced to specific numbers as well as the potential revenues you could generate with this business concept.

Module 5: This module discusses real residual income. In this part, the Carlins outline the 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: Identifying the Opportunity.  Learn more about this opportunity you’ve been given by completing this lesson.

Module 7: Finding potential customers. Learn why some business owners aren’t worth your time. 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: Get your first client.  You will learn what it takes to get your first paying client in this part.

Module 9: It’s time to make a sales call. The Carlins will encourage you to schedule a one-on-one appointment with a Residual Payments representative at this point. This could cost you a lot of money if you buy.

The Digital Payments Playbook

Digital payments playbook

This playbook looks deeper into the various services you can provide and the many ways you can sell merchant services.

You’ll have access to essential marketing tools like sample scripting, probing questions, images, social media captions, quotes, and a calendar to help you manage your posting schedule.

If you buy this upgrade for the first time, it will cost you $47. If you wait, the price could go up to $79.

Becoming A Highly Paid Agent

Becoming a highly paid agent

This upsell is a must if you want a step-by-step guide on how to start up your business.

It goes over all of the important details you need to know, including the technical aspects. Initially, this offer is only $197. Following that, the price will increase to $297.

Can You Trust Residual Payments For Payment Processing?

can you trust residual payments

Residual Payments is not a scam.

This is a legit way to make money on the internet, although it may not be as glamorous or lucrative as the Carlin’s claim.

This is not a business model for everyone. Residual Payments is probably not for you if you can’t handle high-pressure situations or if you’re easily discouraged.

Unless you’re a natural-born salesperson, getting people to use your services as a Digital Payment Agent would be tough unless you’ve developed a good portfolio of satisfied and pleased clients.

Even if you do not have the knowledge to back up your claims, you must be able to convince business owners that the payment processing services you propose are better.

Is it something you’d like to learn how to do properly? It is a useful skill, but not for everyone.

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

Who is this program for

You must be a hustler to complete this training.

Skip this course if you’re an introvert or a creative.

You have to email, call, and physically visit businesses to set up appointments in order to generate money.

If you’re good at it, this might be the course for you.

How Much Does The Residual Payments Program Cost?

Residual Payments - How much does it cost

Before we go into how much The Digital Payments Revolution will cost, I want to be clear about one thing:

This course does not cover the merchant service business model.

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

It does not educate you how to start your own business.

You must purchase the second course, Becoming A Highly Paid Agent.

When you buy The Digital Payments Revolution, you are also pushed to buy the second course.

The price is $197 if you’ll buy now; the price jumps by $100 if you buy it later.

Following that, there is a second upsell.

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

After spending $17, you’re more likely to buy the more expensive courses.

So, once again, if you want to learn the entire system, you’ll need to purchase the second course, which ranges in price from $197 to $297. David and Patricia stresses this throughout The Digital Payments Revolution.

Lastly, towards the end of The Digital Payments Revolution, you will be asked to participate in a sales call with David and Patricia, which might cost you thousands of dollars depending on what you purchase.

Is It Possible To Get A Refund?

Refund policy

The Residual Payments website only provides a 30-day money-back guarantee for The Digital Payments Revolution course.

This warranty does not apply to anything else that is offered. In other words, you will not be able to return any of the upsells once you have purchased them.

Can You Make Money With Residual Payments?

make money

Yes, you can have monthly residual income in the digital payments world! But I doubt you can generate millions or become a million dollar payments agent like the Carlins say.

You see…

There’s a lot that comes along with digital payments business that many people struggle with.

Now, don’t get the wrong idea…

It’s not impossible to make money with digital payments business, but if you’re gonna put in the amount of grueling work to do this business (which, trust us, isn’t easy), you might as well bring in some REAL money while you’re learning the ropes.

Is Residual Payments A Scam?

Is Residual Payments A Scam

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

Again, with any kind of financial product (especially payment processing), you’re taking on a lot of risk.

Sure, you could hit it big and retire in Italy, but chances are you need the stomach and financial cushion to weather tons of losses before you get there…and it may never happen.

Most of the big gains numbers these companies use in their marketing (“xyz grew by 4,112% in 3 months” or “this option made 324% in just 2 days”) are cherry-picked.

They don’t tell you about the 10 100% losers that came before.

In other words, if you invested $100 into 11 recommendations, you’d lose $1,000, and make back $324…so you’d still be out almost $700.

Most people don’t have the fortitude to stick it out through 3 straight months of losers in the hopes of landing one big winner.

What if, instead, you took those same 3 months, invested just a couple hours a day (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? 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

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 Any Alternatives To The Residual Payments Business Model? 

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 In 2022?

Digital Real Estate Our review 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. Why? 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. TESTIMONIAL-JUMP-ALL-IN 2. You Own & Control EVERYTHING: With anything in the financial markets, you own and control NOTHING. You have no say in price fluctuations, demand, or what the market will do. Trying to beat the market is fighting against the tide. There’s just too much working against you, no matter how many supercomputers or rocket scientists are on your side. With Digital Real Estate, you own the assets, which means you have all the power and all the control. TESTIMONIAL-FEELING-BLESSED 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. TESTIMONIAL-SCOTT-LEAD-GEN Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100. LANCE LEAD GEN 1. 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 any kind of trading or investing, you’d have to double your initial capital OR double the average order size of your existing trades. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life. TESTIMONIAL - ANNA DONE DEAL 2. Make Money Helping Real People: This part is what makes it all worth it. In the financial markets, you might be helping your family, but the impact never goes beyond you and maybe a few others. But 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. TESTIMONIAL BOSS OF MY FUTURE Now, the choice is yours. You could continue browsing, looking at opportunities like Residual Payments 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.

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Brittney Here!

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