I worked as an agent for a Disney
travel agency. The first thing to note is that the majority of agents who work for a Disney exclusive agency are independent contractors. In order to book Disney, you need to work for a legitimate agency that has an IATA number, so there's not really a way around this. The agency "sponsors" you so that you can obtain a login for Disney bookings and complete the Disney College of Knowledge, and your bookings are completed under the IATA number of that agency, which is essentially their registration number. You can only obtain an IATA number under some strict credentials, so its not something an individual can easily obtain themselves. When I made a Disney booking, all documents were sent to the agency main office and they facilitated mailing the documents to the clients on my behalf. Because I was an independent contractor, they deducted a flat $20 per month from my monthly commission check (if I got one) to cover the cost of mailing documents to clients.
In my experience, which is quite similar to many other agencies, I was paid a portion of the commission for the Disney bookings I made after the trip was completed. Disney commission is abysmal to begin with, so to only receive 50% of that means that I was not making much money at all. I also was not given leads by the agency and had to generate them myself. They did list me on their web site, but that was along with 50+ others so that didn't draw in any leads. I had my own social media, business cards, and friends/family spread the word. It was a full time job just to promote myself and actually find bookings. Much more challenging than I ever anticipated, and the lack of leads is what ultimately led me to stop doing it. In addition, I was expected to book ADRs and FPs for people, which meant 6am and 7am scrambles for that. All to make maybe $60 in the end from their booking (just an example, it varied depending on the cost of the trip).
I'm not trying to be discouraging, but I think many of us feel like booking Disney trips is a dream job since many of us are so knowledgeable about it. But the fact is that takes a while to become established and earn a good living off of it, and most people aren't in a position to put in that much work in for such a little return. For someone who is serious about this, I would recommend working for a larger or national agency like Liberty Travel or
AAA, where agents are usually paid a base salary in addition to commission. This would entail booking trips other than Disney, but that's not really a bad thing because other hotels or tour companies will pay more too.