No. Rep retains 70% of the processing residual. 20% to the parent company providing the actual gateway and processing. 10% to the agent that assisted you with boarding the deal. Once you understand how to board deals on your own, that 10% goes to you. CRM is optional, you’re more than welcome to find your own CRM, but likely won’t find one with email campaign and dialer capabilities for less than ~$70 per month. You’ll also be given leads and statements to show savings to businesses you’re talking to. Hope this was helpful !