Ernie Coughlin

Ernie Coughlin is a Regional Account Manager with Valued Merchant Services (VMS), serving businesses throughout Sacramento, El Dorado Hills, and the surrounding Northern California region. With more than 30 years of business experience, including senior management positions at General Electric and Raytheon, Ernie brings an extensive background in international sales, customer relationships, and business operations. He joined Valued Merchant Services in 2011 to help business owners find dependable payment processing solutions backed by personalized service.

Ernie Coughlin understands that successful businesses depend on more than competitive pricing. They need trustworthy relationships, efficient operations, and solutions that support their long-term goals. His experience working with major corporations and operating a family business gives him a practical understanding of these priorities.

Ernie Coughlin’s Experience With GE, Raytheon, and Business Ownership

Before joining Valued Merchant Services, Ernie held senior management positions with General Electric and Raytheon. His responsibilities included developing sales contracts with customers around the world. These roles required careful planning, effective communication, and an understanding of complex business relationships.

Working with international customers helped Ernie appreciate the importance of understanding each client’s requirements before recommending a solution. He learned that dependable service, clear expectations, and professional relationships are essential when businesses make important purchasing decisions.

Ernie also understands entrepreneurship firsthand. Together with his wife, Annie, he developed a promotional products business that Annie continues to operate. This experience provided another perspective on the responsibilities of business ownership, including managing expenses, serving customers, and maintaining profitable operations.

For Ernie Coughlin, these experiences reinforced the value of personal service. Whether working with a major corporation or an independently owned business, he believes every customer deserves attention, respect, and solutions suited to their actual needs.

Ernie joined VMS in 2011 because he wanted to offer businesses competitive payment solutions and dependable support. His experience in business management and sales continues to influence the way he approaches merchant relationships today.

Helping Sacramento Businesses With Merchant Services and Payment Processing

Through Valued Merchant Services, Ernie Coughlin helps businesses explore credit card processing solutions, point-of-sale (POS) systems, mobile payments, and other merchant services. His goal is to help business owners understand their options and select payment technology that supports their daily operations.

Ernie recognizes that payment processing requirements vary between industries. A retailer may need dependable checkout equipment and inventory reporting. A restaurant may benefit from POS technology that supports tipping and order management. Meanwhile, a service business may want convenient mobile payments or invoicing options.

His background in corporate sales and business ownership helps him evaluate these needs from both an operational and financial perspective. Ernie believes a payment solution should be practical, dependable, and appropriate for the way a business serves its customers.

Understanding processing costs is another important part of his approach. Merchant statements may include interchange fees, processor markups, transaction charges, monthly fees, and equipment expenses. Ernie encourages business owners to review these costs before making a decision about their payment provider.

Valued Merchant Services offers a free, no-obligation processing statement review to help merchants understand their current rates and fees. Ernie uses this opportunity to help identify potential savings and explain available payment processing alternatives.

He also appreciates the VMS commitment to putting people before profits. Ernie believes business owners deserve straightforward recommendations, even when retaining their existing payment provider is the better decision.

With experience developing international business relationships, managing corporate responsibilities, and helping operate a family business, Ernie brings a broad perspective to merchant services. He understands the importance of responsive communication and maintaining trust long after the initial sale.

Born in Vermont, Ernie spent many years living in Massachusetts before moving to California in 2001. He now makes his home in El Dorado Hills with his wife, Annie, and their Labradoodle, Daisy. Family and community relationships remain important parts of his life.

Ernie Coughlin welcomes the opportunity to help business owners throughout Sacramento, El Dorado County, Folsom, and surrounding Northern California communities. Whether a merchant is reviewing processing fees, evaluating new POS equipment, or exploring additional business services, Ernie is available to discuss practical options.

Above all, Ernie believes the best business relationships are built through experience, honesty, and dependable personal service. Contact Ernie to request a free credit card processing review and learn how Valued Merchant Services may help support your business.