Abstract: This paper concludes the presentation of the non-relativistic effective field theory formalism designed to calculate the radiative corrections that enhance the pair-annihilation cross sections of slowly moving neutralinos and charginos within the general minimal supersymmetric standard model (MSSM). While papers I and II focused on the computation of the tree-level annihilation rates that feed into the short-distance part, here we describe in detail the method to obtain the Sommerfeld factors that contain the enhanced long-distance corrections. This includes the computation of the potential interactions in the MSSM, which are provided in compact analytic form, and a novel solution of the multi-state Schrodinger equation that is free from the numerical instabilities generated by large mass splittings between the scattering states. Our results allow for a precise computation of the MSSM neutralino dark matter relic abundance and pair-annihilation rates in the present Universe, when Sommerfeld enhancements are important.