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Management Team


Management Team

The APS Management Team has over 50 years combined experience supporting membership-based businesses. Their expertise encompasses a wide range of areas, including data entry, customer service, member billing and drafting, merchant processing, collections, accounting, technology development, sales, marketing and business development.

This team is supported by a staff of approximately 20 people in offices in Austin and Marble Falls, Texas.


American Payment Services

John Cox

John founded APS in 1996 and has lead our company through a decade of intense development and dramatic growth. John leads APS’ client services, information technology, drafting and accounting areas.  John can be reached at


Jennifer Ratterree
Information Technology.

Jennifer is responsible for the company’s growth initiatives, including operations management and software development.  She brings valuable insight to all areas of APS’ business.  Jennifer can be reached at


Theresa Ribera
Member Services Operations.

Theresa joined APS shortly after it was founded and has managed the data entry and member service departments from that time forward.  She was instrumental in establishing the company’s well-earned reputation as the leader in customer service.  Theresa can be reached at


Deb Milam
Collections & Accounting.

Deb oversees APS’ collection department’s operations, contract management and administrative activities and is directly responsible for ensuring the success of all the company’s collectors in debt recovery. She brings valuable insight from many years of experience in the field. Deb can be reached at


Daniel DeLoach
Client Services & Tech Support.

Daniel oversees the main office's client service department. He deals with potential clients aswell as current clients. He is also the tech support agent for the APS membership software. His knowledge of computers, website design, and network administration plays an important role in the company. Daniel can be reached at



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