Timothy Leow Book a free call

Stack accounts. Earn on every tap.

I’m Timothy Leow. My fintech company does $380K+ a year in residual income. I teach hard workers to build the same, with no degree, network or startup money.

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A free 30-minute phone call. Pick a time and Timothy calls you.

Every tap pays you.

Set up a card machine in a business and you earn a small cut of every payment it takes, every month, for as long as they use it. One tap is pennies. Thousands of taps is a paycheck.

$13,737a month in residuals

53,596 taps a month pays $13,737, at the 25.6¢ a tap one of Timothy’s portfolios averaged in April.

53,596

Every business pays a different rate. This is his real average, not a promise.

Book your free call

Pick a step to see what you’ll learn.

Learn how the money works

Basis points, splits and residuals. Why a $42 parking payment at 75 basis points pays you about 32¢, and how those pennies stack into a monthly income.

Knock on real doors

Restaurants, auto shops, businesses that take cards every day. Timothy started out door to door, and he’ll show you how to walk in and start the conversation.

Teach, don’t pitch

Everybody offers a lower rate. That’s the red ocean. You’ll learn to teach the owner how to raise their level of excellence, so you’re the one leading the conversation.

Handle every objection

Bring what you hear in the field to the live objection call every Thursday. Chances are the team has solved it before, and everyone learns from the answer.

Head down until 50

Don’t look up until you have 50 accounts. Reassess, then push to your first 100. In Timothy’s words, once you have 100 merchant accounts, your whole life changes.

Sign a fair contract

Victory’s agent contract is written the way Timothy wishes his had been when he started 13 years ago. He’ll walk you through it, fine print included.

Victory isn’t for everyone. It’s for hard workers who want help and will put in the discipline, not for people who’d rather go it alone.

Pennies, stacked.

Timothy’s own numbers, each from a moment in his video. Tap the time to watch him show it.

  • About 32¢ a tap.A $42 parking payment at Lake Louise, at 75 basis points. Sometimes a tap pays a penny, sometimes it pays a dollar.

    One card machineWatch at 2:10

  • 53,596 taps. $13,737.One portfolio Timothy founded, in one month. He built it from summer 2023 to summer 2024, working “not part-time, not full-time, somewhere in the middle.”

    One portfolio, AprilWatch at 3:21

  • Paid every month since 2024.Some months it’s $10,000, some months $14,000. It keeps paying because the businesses keep taking cards.

    The same portfolioWatch at 3:51

  • $7,794 to $19,421 a month.His first portfolio, from 2018 to February 2019. Then one clause in the fine print took all of it. More on that below.

    His first portfolioWatch at 12:00

  • 50 accounts, then 100.“Put your head down and go to work, and don’t pick your head up until you have 50 accounts in your portfolio.”

    The targetWatch at 10:00

  • Your first account could be next.

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Reel: The Game, here’s how to play itReel: $100K a yearReel: exactly how the money works, over a residual statementReel: so you got this Moneris terminalReel: quit cherry-picking what door you knockReel: putting a million back into the local Ontario economyReel: there is zero excuseReel: entrepreneurs need to push hard early

From Timothy’s Instagram, @goodlifecan. Tap a reel to watch it there.

$19,421 a month, taken away

a month in residuals. Then one clause in the fine print took all of it.

In 2019, Timothy’s first portfolio paid $19,421 a month. His company couldn’t do a deal one of his merchants needed, so he sent it to another processor to help the merchant. That broke an exclusivity clause. With a one-year-old at home, the whole portfolio was gone.

Now he’s doing for other sales reps what he wishes had been done for him 13 years ago.

Before you sign an agent contract, look for:

  • “80%” that’s 80% of a split
  • Exclusivity in the fine print
  • “We’re a family” instead of real pay
  • No one to train you or take objections
Watch how he lost it from 12:00 Book your free call
From the statements Timothy shows at 12:00 in his video.

Class, homework, tests. No tuition.

Victory University is Timothy’s community on Skool. Courses, scripts and a live objection call every Thursday, free right now. What it costs you is discipline.

$40–120K

for a business degree

  • Four years of classes
  • Graduate with debt
  • Out of date by the time you finish

Free

to join Victory University

  • 3 courses, 13 modules
  • Live objection calls every Thursday
  • Learn in the field, in real time
  • Build accounts that pay monthly
Join free on Skool

The degree range is the US undergraduate business degree cost Timothy quotes in his video. And no, he’s not telling anyone to drop out of college.

Timothy Leow smiling at Lake Louise, phone in hand

About Timothy Leow

“Train people so well they could become your biggest competitor. Treat them so well they never want to.”

Timothy Leow, founder of Victory Merchant Services

I started out selling flowers door to door in Miami. In 2013 I knocked on the wrong door: a payment processing office, where the guy inside showed me how residual income works. I’m a Filipino immigrant, raised across the Philippines, Canada and Guyana, now living in the US, and I was voted 2018 National Partner of the Year.

  • $380K+a year in residual income
  • 13 yrsin payment processing
A free 30-minute phone call with Timothy. Bring your questions about residuals, contracts and your first 50 accounts.

Good to know

Is the call really free?

Yes. It’s a free 30-minute phone call. Pick a time, leave a short note so Timothy can prepare, and he’ll call you.

Do I need a degree, a network or money?

No. Timothy teaches everyday people with no degree, no network and no startup money. What it does take is discipline: you’ll be out in the field, talking to business owners.

How do residuals work?

When a business takes cards on a machine you set up, you earn a small share of every transaction, every month, for as long as they keep processing. One tap might pay a penny or a dollar. Across many businesses, it adds up.

Is Victory University really free?

Right now, yes. The community and its courses are free on Skool, with a live objection call every Thursday.

Can I do this part time?

Timothy built the portfolio in his video in about a year, working “not part-time, not full-time, somewhere in the middle.” How fast you grow depends on the hours you put in.

Why not sign with a company offering 80%?

Because it’s rarely a true 80%. It’s often 80% of a split you can’t see, and the contract can hold clauses like the one that cost Timothy $19,421 a month. He’ll tell you what to look for on the call.

Can you guarantee results?

No. Your income depends on your work, the businesses you sign and how much they process. The numbers on this page are Timothy’s own, not typical results.

Not ready to book yet?

Start with Victory University on Skool, or send Timothy a DM on Instagram.

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