Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. Payment systems are one of basic elements of infrastructure of e-commerce. The Western Union Company is a leader in global payment services Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. In the summer of 1990 top managers of the Western Union Company spent day and night in the main office in Englewood (Colorado, USA). They needed to meet the challenge: to save the Western Union from bankruptcy, paying off the debts of the company millions of dollars.