The Cost Plus Processing Sales Rep Training

Build Real Residual Income by Becoming the Most Transparent Rep in the Industry.

From Phil Beniamino, CEO of Cost Plus Processing Sales Rep Training

Let Me Show You How the Cost Plus Processing Method Turns Transparent Pricing Into a Portfolio That Pays You Every Single Month

This training was built for people who want real, lasting residual income—not another hustle that burns out in 90 days. Phil has spent 30 years refining a sales method built on one thing the rest of the industry avoids: the truth about what merchants are actually paying.

If you’re ready to walk into any business, open the books, and build long-term income by being the most honest rep they’ve ever met, this is where you start.

Sound On If You’re Ready to Learn Something Most People in This Industry Never Will

Get Started Now

Introducing THE COST PLUS PROCESSING SALES REP TRAINING

The only merchant services sales training built for aspiring and current reps who want to build a real residual income portfolio

Without the hidden-fee tactics, the brainwashing, or the company-first models that have poisoned this industry for years.

With This System, YOU’LL LEARN

Four core competencies that will separate you from every other rep walking through a merchant’s door.

How to read any processing statement and expose the truth

Most business owners think they’re getting a good deal. You’ll know exactly how to pull up their current statement, calculate the real effective rate, and show them what they’re actually paying--a skill that turns skeptics into signings.

How to build relationships that generate long-term residual income

One-time closes don’t build wealth. You’ll learn Phil’s 30-year relationship model for turning a single account into a revenue stream that keeps paying whether you’re working that day or not.

How to handle every objection a merchant will throw at you

From “I just switched” to “I don’t want to sign a contract,” you’ll train on the exact rebuttals that have kept CPP’s accounts for years--role-played, drilled, and refined until they’re natural.

How to walk into any business and open a real sales conversation

The walk-and-talk is the foundation of this business. You’ll learn the four barriers every rep faces, the mindset that separates closers from quitters, and how to get a merchant talking in under 90 seconds.

This is not a passive watch-and-learn training. It’s a skill-building system designed to get you in front of merchants with confidence and close accounts from day one.

Start Building

From Spinning Your Wheels to Building Income That Works While You Don’t

From Spinning Your Wheels to Building Income That Works While You Don’t. You’ve been searching for something real. Dropshipping burned out. The Amazon thing never got traction. The side hustle you tried last year made you a little money for a few months and then went quiet. You’re not lazy--you’re just working with the wrong vehicle. Every morning you wake up trading time for a paycheck you can already predict. You can see the ceiling from your desk. Maybe you’ve got the people skills. Maybe you’ve got the hustle. But you’ve never had a structured, transparent, legitimate path that actually converts effort into long-term income. Meanwhile, business owners across your city are paying 3 to 3.5 percent in processing fees--often more--and they have no idea. They’ve been told they’re getting a great deal. Nobody has ever sat down with them and opened the books. Nobody has ever shown them the real numbers. That is the opportunity. And it’s sitting right in front of you. Here’s what nobody told you: This industry runs on confusion. The big companies profit from it. The business owners accept it. And the reps who sell the same old way never last. The rep who walks in with transparency--who actually shows the math--is the one who closes the account, keeps the account, and builds real wealth doing it. --Phil, Cost Plus Processing
From Spinning Your Wheels to Building Income That Works While You Don’t. You’ve been searching for something real. Dropshipping burned out. The Amazon thing never got traction. The side hustle you tried last year made you a little money for a few months and then went quiet. You’re not lazy--you’re just working with the wrong vehicle. Every morning you wake up trading time for a paycheck you can already predict. You can see the ceiling from your desk. Maybe you’ve got the people skills. Maybe you’ve got the hustle. But you’ve never had a structured, transparent, legitimate path that actually converts effort into long-term income. Meanwhile, business owners across your city are paying 3 to 3.5 percent in processing fees--often more--and they have no idea. They’ve been told they’re getting a great deal. Nobody has ever sat down with them and opened the books. Nobody has ever shown them the real numbers. That is the opportunity. And it’s sitting right in front of you. Here’s what nobody told you: This industry runs on confusion. The big companies profit from it. The business owners accept it. And the reps who sell the same old way never last. The rep who walks in with transparency--who actually shows the math--is the one who closes the account, keeps the account, and builds real wealth doing it. --Phil, Cost Plus Processing

You’ve been searching for something real. Dropshipping burned out. The Amazon thing never got traction.

The side hustle you tried last year made you a little money for a few months and then went quiet. You’re not lazy—you’re just working with the wrong vehicle.

Every morning you wake up trading time for a paycheck you can already predict. You can see the ceiling from your desk. Maybe you’ve got the people skills. Maybe you’ve got the hustle. But you’ve never had a structured, transparent, legitimate path that actually converts effort into long-term income.

Meanwhile, business owners across your city are paying 3 to 3.5 percent in processing fees–often more–and they have no idea. They’ve been told they’re getting a great deal. Nobody has ever sat down with them and opened the books. Nobody has ever shown them the real numbers.

That is the opportunity. And it’s sitting right in front of you.

From Spinning Your Wheels to Building Income That Works While You Don’t. You’ve been searching for something real. Dropshipping burned out. The Amazon thing never got traction. The side hustle you tried last year made you a little money for a few months and then went quiet. You’re not lazy--you’re just working with the wrong vehicle. Every morning you wake up trading time for a paycheck you can already predict. You can see the ceiling from your desk. Maybe you’ve got the people skills. Maybe you’ve got the hustle. But you’ve never had a structured, transparent, legitimate path that actually converts effort into long-term income. Meanwhile, business owners across your city are paying 3 to 3.5 percent in processing fees--often more--and they have no idea. They’ve been told they’re getting a great deal. Nobody has ever sat down with them and opened the books. Nobody has ever shown them the real numbers. That is the opportunity. And it’s sitting right in front of you. Here’s what nobody told you: This industry runs on confusion. The big companies profit from it. The business owners accept it. And the reps who sell the same old way never last. The rep who walks in with transparency--who actually shows the math--is the one who closes the account, keeps the account, and builds real wealth doing it. --Phil, Cost Plus Processing

Here’s what nobody told you:

This industry runs on confusion. The big companies profit from it. The business owners accept it. And the reps who sell the same old way never last. The rep who walks in with transparency–who actually shows the math–is the one who closes the account, keeps the account, and builds real wealth doing it.

—Phil Beniamino, CEO of Cost Plus Processing

The Hard Truth?

Most Reps Get Stuck Before They Ever Build Anything

The industry average processing fee is 3 to 3.5 percent—and most business owners have no idea what they’re actually paying.

Brainwashed by Bad Training

Most reps enter this industry through companies whose entire model is built to benefit the company—not the merchant, and not the rep. They learn tactics that create short-term closes and long-term account cancellations. Those habits take years to undo, and many reps never do.

No Real Structure

They’ve got hustle but no framework. They walk into businesses without a fact-finding process, without the right language, and without a rebuttal for the first objection they hit. They get rejected twice and decide the industry doesn’t work.

The Wrong Residual Model

There are a hundred ways to chase income—and most of them don’t compound. Reps jump from gig to gig, earning one-time payouts that disappear the moment they stop pushing. Merchant processing residuals are different. Accounts keep paying. The portfolio keeps growing. But only if you’re trained to build it correctly.

A Market Full of Skeptics

Business owners have been lied to. They think all reps are greasy salespeople looking to take a percentage off their revenue. Walking in as just another processor rep is an uphill battle. Walking in as the rep who actually opens the books—that changes everything.

Start Building

There's a Smarter Way to Build Residual Income

There’s a Smarter Way to Build Residual Income. What if you had a specific process--not general sales advice--for walking into any business and getting a real conversation going? What if you could look at any merchant processing statement and immediately calculate what the owner is actually paying, not what they’ve been told they’re paying? What if every objection a merchant throws at you already had a proven, practiced response? What if your income kept growing the month after you closed an account, and the month after that--while you were out closing the next one? What if the rep skills you build this year are still paying you in five years? That’s not wishful thinking. That’s the Cost Plus Processing Sales Rep Training. And it’s available to you right now.
There’s a Smarter Way to Build Residual Income. What if you had a specific process--not general sales advice--for walking into any business and getting a real conversation going? What if you could look at any merchant processing statement and immediately calculate what the owner is actually paying, not what they’ve been told they’re paying? What if every objection a merchant throws at you already had a proven, practiced response? What if your income kept growing the month after you closed an account, and the month after that--while you were out closing the next one? What if the rep skills you build this year are still paying you in five years? That’s not wishful thinking. That’s the Cost Plus Processing Sales Rep Training. And it’s available to you right now.

What if you had a specific process–not general sales advice–for walking into any business and getting a real conversation going? What if you could look at any merchant processing statement and immediately calculate what the owner is actually paying, not what they’ve been told they’re paying?

What if every objection a merchant throws at you already had a proven, practiced response? What if your income kept growing the month after you closed an account, and the month after that–while you were out closing the next one?

What if the rep skills you build this year are still paying you in five years?

Get Started Now
There’s a Smarter Way to Build Residual Income. What if you had a specific process--not general sales advice--for walking into any business and getting a real conversation going? What if you could look at any merchant processing statement and immediately calculate what the owner is actually paying, not what they’ve been told they’re paying? What if every objection a merchant throws at you already had a proven, practiced response? What if your income kept growing the month after you closed an account, and the month after that--while you were out closing the next one? What if the rep skills you build this year are still paying you in five years? That’s not wishful thinking. That’s the Cost Plus Processing Sales Rep Training. And it’s available to you right now.

That’s not wishful thinking. That’s the Cost Plus Processing Sales Rep Training. And it’s available to you right now.

Get Started Now

30 Years of Beating Competitors by Being the Only Honest Rep in the Room

Phil Beniamino didn’t build this training because it was a good business idea. He built it because he kept watching good people fail in an industry that didn’t give them a real shot.

He met Stephen while buying furniture. Stephen was making $30,000 a year. Phil brought him in, trained him, and today Stephen makes $60,000 to $70,000 a month. He lives where he wants. He golfs whenever he feels like it. He has referral partners underneath him and closes deals from the golf course.

He met TJ working two jobs, exhausted, no future vision. Now TJ has a million-dollar home, a growing family, and the kind of financial confidence that doesn’t come from chasing paychecks.

Phil’s method works because it refuses to hide anything. The fact-finding process is specific. The language is specific. And the results speak for themselves.

What I kept discovering over 30 years confirmed everything

The rep who opens the books is the one who closes the account. Transparency isn’t a weakness in this industry–it’s the only real competitive edge. That’s what we teach. That’s what works. That’s what nobody else is willing to do.

—Phil Beniamino, CEO of Cost Plus Processing

30 Years of Beating Competitors by Being the Only Honest Rep in the Room Phil didn’t build this training because it was a good business idea. He built it because he kept watching good people fail in an industry that didn’t give them a real shot. He met Stephen while buying furniture. Stephen was making $30,000 a year. Phil brought him in, trained him, and today Stephen makes $60,000 to $70,000 a month. He lives where he wants. He golfs whenever he feels like it. He has referral partners underneath him and closes deals from the golf course. He met TJ working two jobs, exhausted, no future vision. Now TJ has a million-dollar home, a growing family, and the kind of financial confidence that doesn’t come from chasing paychecks. Phil’s method works because it refuses to hide anything. The fact-finding process is specific. The language is specific. And the results speak for themselves. What I kept discovering over 30 years confirmed everything: the rep who opens the books is the one who closes the account. Transparency isn’t a weakness in this industry--it’s the only real competitive edge. That’s what we teach. That’s what works. That’s what nobody else is willing to do. --Phil, CEO, Cost Plus Processing
30 Years of Beating Competitors by Being the Only Honest Rep in the Room Phil didn’t build this training because it was a good business idea. He built it because he kept watching good people fail in an industry that didn’t give them a real shot. He met Stephen while buying furniture. Stephen was making $30,000 a year. Phil brought him in, trained him, and today Stephen makes $60,000 to $70,000 a month. He lives where he wants. He golfs whenever he feels like it. He has referral partners underneath him and closes deals from the golf course. He met TJ working two jobs, exhausted, no future vision. Now TJ has a million-dollar home, a growing family, and the kind of financial confidence that doesn’t come from chasing paychecks. Phil’s method works because it refuses to hide anything. The fact-finding process is specific. The language is specific. And the results speak for themselves. What I kept discovering over 30 years confirmed everything: the rep who opens the books is the one who closes the account. Transparency isn’t a weakness in this industry--it’s the only real competitive edge. That’s what we teach. That’s what works. That’s what nobody else is willing to do. --Phil, CEO, Cost Plus Processing
30 Years of Beating Competitors by Being the Only Honest Rep in the Room Phil didn’t build this training because it was a good business idea. He built it because he kept watching good people fail in an industry that didn’t give them a real shot. He met Stephen while buying furniture. Stephen was making $30,000 a year. Phil brought him in, trained him, and today Stephen makes $60,000 to $70,000 a month. He lives where he wants. He golfs whenever he feels like it. He has referral partners underneath him and closes deals from the golf course. He met TJ working two jobs, exhausted, no future vision. Now TJ has a million-dollar home, a growing family, and the kind of financial confidence that doesn’t come from chasing paychecks. Phil’s method works because it refuses to hide anything. The fact-finding process is specific. The language is specific. And the results speak for themselves. What I kept discovering over 30 years confirmed everything: the rep who opens the books is the one who closes the account. Transparency isn’t a weakness in this industry--it’s the only real competitive edge. That’s what we teach. That’s what works. That’s what nobody else is willing to do. --Phil, CEO, Cost Plus Processing

Phil Beniamino, CEO of Cost Plus Processing

  • 30+ years in merchant processing sales
  • Founder of the Cost Plus Processing rep network
  • Has personally trained reps from $30K/year to $60K-$70K/month
  • Family-owned operation: Cian (son-in-law, operations), Kylie (daughter, head of sales)
  • Daily morning sales meetings, ongoing team support, open-door environment

Get Instant Access to Pricing

Fill out the form below to view our pricing options and find the best fit for your needs.

Train Anytime, Anywhere. Your Way.

The Cost Plus Processing Sales Rep Training lives on LightSpeed VT’s interactive training infrastructure. Log in from your laptop before your first appointment or run through rebuttals from your phone on the drive home. Your progress is saved, your skills build on each other, and you move at the pace that matches how fast you want to grow.

Join a Motivated Community.

You’re not going in alone. From day one you’re in a community of reps who are in the field, closing accounts, and sharing what’s working. The culture at CPP is family–not corporate. People here have worked together for over a decade, and that same openness extends into the training community.

Join a Motivated Community. You’re not going in alone. From day one you’re in a community of reps who are in the field, closing accounts, and sharing what’s working. The culture at CPP is family--not corporate. People here have worked together for over a decade, and that same openness extends into the training community.
Join a Motivated Community. You’re not going in alone. From day one you’re in a community of reps who are in the field, closing accounts, and sharing what’s working. The culture at CPP is family--not corporate. People here have worked together for over a decade, and that same openness extends into the training community.

Master Your Skills With Interactive Training.

Passive video training produces passive reps. This training is built to challenge you at every stage. Knowledge checks lock in what you’ve learned. Role-play scenarios test your rebuttals under pressure. Open-ended response prompts push you to apply the methodology to real situations–not just watch someone else do it.

Master Your Skills With Interactive Training. Passive video training produces passive reps. This training is built to challenge you at every stage. Knowledge checks lock in what you’ve learned. Role-play scenarios test your rebuttals under pressure. Open-ended response prompts push you to apply the methodology to real situations--not just watch someone else do it.
Master Your Skills With Interactive Training. Passive video training produces passive reps. This training is built to challenge you at every stage. Knowledge checks lock in what you’ve learned. Role-play scenarios test your rebuttals under pressure. Open-ended response prompts push you to apply the methodology to real situations--not just watch someone else do it.

Track Your Progress. Measure your Growth.

Track your progress through every category, see where you’re strong and where you need more reps, and stay locked into your development between sessions. The leaderboard keeps competition alive. Your report card keeps you honest.

Track your progress through every category, see where you’re strong and where you need more reps, and stay locked into your development between sessions. The leaderboard keeps competition alive. Your report card keeps you honest.
Track your progress through every category, see where you’re strong and where you need more reps, and stay locked into your development between sessions. The leaderboard keeps competition alive. Your report card keeps you honest.

Industry-Leading. Structured. Proven.

Everything inside HighPrep Academy is designed to create real, measurable score improvement—step by step.

Welcome and Mindset Foundation

You start here. Who CPP is, why the culture works, and how to reset your expectations so you build the right way from day one. You’re never alone in this business.

The Foundations of Selling

Phil Beniamino’s Golden Rule in action. Active listening exercises, the 5 steps to a sale, and interactive scenarios that test whether you’re actually retaining the method—not just watching it.

Payment Processing Knowledge

Basis points, interchange, and the three CPP programs explained clearly. You’ll know exactly how to answer the rate question and what program fits each merchant’s situation.

Your Sales Approach

Pitch work, field presence, and the art of the walk-and-talk. The four barriers every rep faces and the mindset that separates closers from people who quit after two rejections.

Reading Statements

The six things to find first, how to calculate the true effective rate, and how to turn a statement analysis into a close. This is the skill that makes merchants trust you.

Rebuttals – Handling Objections

16 fully trained chapters covering every objection you’ll hear in the field. Role-played, drilled, and backed by 30 years of real-world testing.

Real Results from Real Reps

“From $30,000 a Year to Closing Deals From the Golf Course”

“I was selling furniture when Phil found me. I was making about $30,000 a year and had no clear path forward. He brought me into CPP, trained me on the method, and I never looked back. I now make $60,000 to $70,000 a month. I live where I want. I golf when I want. I have referral partners working underneath me and I close accounts from the golf course. This is as real as it gets.”

— Stephen, Current CPP Rep

“Two Jobs, Exhausted, No Future – Now a Million-Dollar Home and Financial Freedom”

“I was working two jobs and running on empty. I had a second kid on the way and no vision for what my future looked like. CPP changed that completely. Phil trained me on the approach, gave me the structure I was missing, and the results followed. I have a million-dollar home now. I’m confident. I’m driven. And my income keeps growing whether I’m working that day or not.”

— TJ, Current CPP Rep

Frequently Asked Questions

Everything you need to know before getting started.

No. This training was built for new reps as much as it was for experienced ones. In fact, some of the best results come from people who’ve never sold before–because they don’t have bad habits to unlearn. The training starts at the foundation and builds from there.

The training is self-paced. Most reps move through the core content in a few weeks while beginning their field work simultaneously. The rebuttals and role-play sections are built to be revisited repeatedly as your portfolio grows.

Every time a business processes a credit card payment, a small percentage of that transaction is paid to the processor. As the rep who brought that business in, you earn a share of that fee every single month that account stays active. The more accounts in your portfolio, the more your monthly income compounds without requiring you to close a new deal.

The industry average is 3 to 3.5 percent. Most business owners believe they’re paying less because the fees are buried in their statements. When you know how to pull the real number and show it to them, that conversation changes everything. That’s the foundation of what Phil teaches.

Yes. CPP’s operations team is available to support reps on live calls and deal scenarios. The Pro Rep tier includes deal support access and a structured path to portfolio activation once you’ve been reviewed by the team. Support doesn’t end when the training does.

New grads, sales reps who’ve hit an income ceiling, entrepreneurs who know business owners, and anyone who wants to build a real residual income business—part-time or full-time. If you’re serious about doing this correctly, this is where you start.

Most training in this industry is built to benefit the company—not the rep and not the merchant. CPP’s method is built on transparency: showing business owners the real cost, building genuine partnerships, and creating long-term account relationships instead of one-time closes. The fact-finding language and rebuttal methodology have been refined over 30 years of field work.

Yes. Some reps go all-in immediately. Others build their portfolio on nights and weekends until their residual income replaces their current salary. The structure of the residual model is what makes this possible—you’re building an asset, not just earning a paycheck.

Why Cost Plus Processing Sales Rep Training?

Because what you’ve tried before doesn’t fix what’s actually holding you back.

What You've Tried / Why It Falls Short

Generic online sales courses

They teach principles without field-tested language. You’ll finish the course with concepts and no idea what to actually say when a merchant tells you they just signed a new contract.

Other merchant processing companies

They train reps on models designed to maximize company revenue--not rep longevity. The tactics create short-term closes and long-term churn. The transparency isn’t there.

YouTube and free content

Free content gives you fragments. There’s no progression, no role-play, no rebuttal training, and no one correcting your approach when you’re getting it wrong.

Coaching programs and masterminds

High price, general advice, and no specificity to this industry. The fact-finding language that makes a merchant trust you doesn’t come from a generic sales coach.

Trial and error in the field

Some reps figure it out eventually. Most burn out first. The ego breaks that need to happen before real growth can start take years without a structured framework to accelerate the process.

Doing nothing and waiting

Every month you’re not building your portfolio is a month of residual income you’ll never recover. The accounts are out there. The method exists. The only variable is whether you’re trained to go get them.

This training gives you the method, the language, the rebuttals, and the field mindset that Phil has used for 30 years. It’s yours for life.

Get Started Now

Ready to build a real portfolio—not just talk about it?

The Cost Plus Processing Training System
© 2026 by Cost Plus Holdings LLC. All rights reserved.
Instagram Facebook Linkedin Youtube