In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. Another invention of Western Union - time synchronization. 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. In 1933, by the Western Union Company were invented "singing telegrams". In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card.