Theresa Clement

Theresa Clement is a Regional Account Manager with Valued Merchant Services (VMS), serving business owners in Roanoke, Virginia, and surrounding communities. With more than 18 years of customer service experience and a background in accounting, business, and sales, Theresa helps merchants understand their credit card processing expenses and explore practical payment solutions. She believes local businesses deserve personal attention, honest recommendations, and dependable support.

Theresa Clement joined Valued Merchant Services because she recognized an opportunity to help businesses in her community. She understands that managing expenses and choosing the right technology can be challenging. Her goal is to make those decisions easier by explaining available options and helping owners evaluate what works best for their operations.

Theresa Clement’s Experience in Accounting, Business, and Customer Service

Theresa attended Rasmussen College and earned her degree in Accounting and Business in 2012. Her education provided a foundation for understanding business expenses, financial information, and the importance of careful decision-making.

Since completing her degree, Theresa has worked in business and sales. She also brings more than 18 years of experience serving customers, answering questions, and helping people solve problems.

Throughout her career, Theresa Clement has developed an appreciation for listening carefully and understanding each customer’s needs. She believes effective service begins with asking questions and providing clear, useful information.

Her accounting background is especially relevant when helping business owners review payment processing expenses. Monthly merchant statements can include several types of charges. Understanding those costs is an important part of evaluating a processing provider.

Theresa also recognizes that business owners have many responsibilities. They need reliable equipment, manageable expenses, and service providers who respond when assistance is needed.

Helping Roanoke Businesses Understand Payment Processing Costs

Through Valued Merchant Services, Theresa Clement helps merchants explore credit card processing solutions, point-of-sale (POS) systems, mobile payments, and other business services.

Theresa understands that payment needs differ between businesses. A Roanoke retailer may want a POS system with inventory reporting. A restaurant may need dependable equipment that supports tipping and daily transactions. Meanwhile, a service provider may prefer mobile payment acceptance or electronic invoicing.

Her approach begins with understanding how each business currently accepts payments. She then helps owners evaluate their available options, including pricing, equipment features, and customer support.

Theresa encourages merchants to review their complete processing costs. These may include interchange fees, processor markups, transaction charges, monthly service fees, and equipment expenses.

Valued Merchant Services offers a free, no-obligation processing statement review. This helps businesses understand their current rates and fees and identify potential savings.

VMS also offers a $500 rate-and-fee promise for eligible merchants. If the company cannot beat a qualifying merchant’s current processing rates and fees, the merchant may receive $500, subject to the program’s terms and conditions.

Theresa Clement can also help interested businesses explore eligible dual pricing and cash discount programs. These arrangements may reduce certain merchant processing expenses. However, actual costs depend on the program, equipment, transaction mix, and applicable requirements.

Local Merchant Services and Personal Support in Southwest Virginia

Theresa believes having a local representative can make a meaningful difference for business owners. She enjoys developing relationships with merchants and learning about the challenges they face.

Her approach reflects the Valued Merchant Services commitment to putting people before profits. Sometimes, an existing payment provider already meets a business’s needs. In those situations, Theresa believes an honest recommendation may be to keep the current arrangement.

Beyond payment processing, Theresa can introduce merchants to other VMS services. These include check and ACH payments, business financing, payroll and HR solutions, and additional tools that may support daily operations.

Theresa lives in Roanoke with her husband and their two French Bulldogs, Barrett and Jagger. She appreciates the opportunity to serve businesses in the community she calls home.

For merchants throughout Roanoke, Salem, Roanoke County, and surrounding Southwest Virginia communities, Theresa offers personal service supported by the nationwide resources of Valued Merchant Services.

Whether a business is opening a merchant account, reviewing processing fees, or considering updated payment equipment, Theresa welcomes the opportunity to help.

Above all, Theresa Clement believes lasting business relationships begin with trust, clear communication, and practical guidance. Contact Theresa to request a free processing statement review and explore payment solutions suited to your business.