Residual Payments Review (2026): Can Selling Card Processing Pay You Every Month?

Residual Payments in One Minute

Residual Payments is a training program run by Patricia and David Carlin, who founded the payment processing company Deposyt in 2010. It teaches you to become a "digital payments" agent: you sign up businesses for credit card processing, and you earn a small cut of every transaction they process, month after month.

That's a real business model, known in the industry as being a merchant services agent or ISO agent. But it's a sales job: you have to find business owners and persuade them to switch processors. The program starts cheap and moves up to a $9,997 agency program, and most courses aren't refundable.

How Payment Processing Residuals Work

1. A business accepts card payments and pays a processing fee on each sale.
2. You refer the business to a processor through your agent account.
3. The processor shares part of its margin with you.
4. You earn a residual every month, for as long as the business stays and keeps processing.

Residuals depend on how much each business processes. A shop processing $10,000 a month earns you far less than one processing $200,000. The Carlins recommend targeting businesses that process at least $10,000 a month, and claim an average of about $500 per client, which is their figure, not a typical result.

What It Costs

Intro course$17

Playbook$47

Highly Paid Agent$197

Agency Program$9,997

The low-priced courses lead into the monthly group and the high-ticket agency program. Prices may have changed, so check the current offer page.

What's Inside the Training

The main course, Becoming a Highly Paid Agent, was reported to cover setup, prospecting, sales, onboarding merchants, scaling and mindset across more than 60 videos. Students also got a private Facebook group, and the Inner Circle adds weekly Zoom calls.

What Students Report

Results vary widely. Reported student earnings range from no clients yet, to around $1,000–$1,300 a month from a few clients, to one testimonial of more than $8,000 a month from 80+ accounts. Most students say the hard part is finding businesses willing to switch, which takes networking and persistence.

Common complaints include aggressive scarcity marketing, expensive upsells and no refunds on the main courses. One former affiliate made further allegations about changed support terms and charges; those are one person's claims and we couldn't verify them. We found no regulator action against the program.

The Challenges of Merchant Services Sales

• Competition: banks, Square, Stripe and many other agents pitch the same businesses.
• Low margins: residuals per account can be small, so you need many accounts.
• Churn: if a business closes or switches, your residual stops.
• Contracts: your agent agreement decides your split and whether you keep residuals if you stop, so read it carefully.

Is Residual Payments a Scam?

No. Payment processing residuals are real, and the Carlins run a real processing business. But this is a sales business, not passive income at the start. Expect to spend months finding clients, and be careful with the high-ticket upsell.

Pros and Cons

Who Residual Payments Might Suit

It may suit someone with a network of local business owners and a background in sales. If you dislike cold outreach, or want income that doesn't depend on selling, look elsewhere.

Our #1 Recommendation for Making Money Online in 2026

If Residual Payments isn't the right fit for you, here's what we suggest instead.

After comparing hundreds of programs over the years, we know what works and what doesn't. In fact, most of the business opportunities are either instant cash grab schemes or scams or they require experience. However, this beginner-friendly system stood out and is our #1 recommendation for 2026.

Other Programs Readers Compare

• Remote Closing Academy review: another sales-based income program.
• Local Marketing Vault review: selling services to local businesses.
• Job Killing review: local lead generation.

Frequently Asked Questions

Our Verdict on Residual Payments

Residual Payments teaches a legitimate model from people who work in the industry. Start with the cheap course if it interests you, but treat it as a sales career, and think hard before paying for the $9,997 program.