In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. As a result of 2011, net income of Western Union has increased by 28% to $ 1.165 billion, the company reported. Money transfer is a matter of minutes, at any distance. Payment systems are one of basic elements of infrastructure of e-commerce. 1970 - a new service called 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. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.