Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. In 1877, starting from September, New York City residents began to have the opportunity to check the time on clock with the "time ball", located on the roof of constructed in the same year a new corporate headquarters - Western Union Building. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. July 3, 1884 the company's shares were included in the calculation base for the newly created stock index Dow Jones Transportation Average. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card.