The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. 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. One of the common kinds of money transfer is a transfer via the international system of Western Union. In October 1871 the company Western Union began to provide money transfer services, drawing on its own extensive telegraph network. Western Union made so that the time in all of American civil services was the same.