How much residual would you need to feel financially invincible?

Welcome to PiePay! Merchant services is a fantastic industry to build a career in. With the right strategy, consistent sales effort, and long-term discipline, you can create real financial freedom and independence. Our industry is all about building monthly residuals for the long term. Adding to your residuals is a fantastic way to become financially independent for the rest of your life.

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Residual Road Map

Fill out the form below to get a detailed road-map of how you can become financially free through residual earnings with PiePay!

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Financial Freedom typically means: All of your living expenses are fully covered You can take a vacation every quarter You enjoy a weekly date night with your spouse or partner Each month, you’re saving and investing in your family’s future outside of Merchant Services Hobbies are part of your regular life — weekly, monthly, or even daily Tip: If your definition of financial freedom is simply covering your living expenses, your monthly residual income should be at least 130% of your monthly expenses. Since this is 1099 income, the additional 30% helps account for taxes.
Note: Residuals are paid one month in arrears. If you think about where you want your residual income to be 13 months from now, you can focus fully on the 12 months of work, growth, and learning ahead of you. The first year in Merchant Services is typically the most challenging. You’ll be tested in many ways — mentally, emotionally, and professionally. A successful career in this industry is highly rewarding, but it is not easy. The most important objective in year one is mastering the ability to generate and properly qualify leads, so your Sales Director can help you close them consistently.
Note: For most people, it takes roughly two years to truly understand the Merchant Services industry, develop strong relationships that generate consistent leads, and master what it takes to succeed. By that stage, you’re growing daily, actively servicing your client base, and beginning to earn substantial income.
After three years of focused, disciplined effort, referrals should be coming in consistently. Your clients will be opening new locations, expanding their processing needs, and relying on you as a trusted expert. By this stage, you’re no longer learning the industry — you’ve mastered it. You should be among the top income earners in your state, with virtually unlimited upside ahead of you.
Generating $1,000,000 in annual residual income in Merchant Services is absolutely achievable. To reach that level, you would typically need to sell and support approximately 350–500 active accounts. The range varies because residual income depends on several key factors: The average monthly processing volume per client Your pricing structure and ability to sell on value rather than rate The types of businesses you choose to work with Merchant Services is also one of the rare industries that can benefit from inflation. While rising costs impact small and mid-sized businesses more directly than large national chains, those businesses often respond by increasing their prices. As prices rise, overall payment volume typically increases as well — which can lead to higher processing revenue and growing residual income.
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