In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. In the early 60s Western Union has put into operation transcontinental microwave system of data transmission via radio waves, completely replacing the web of telegraph poles and wires. 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. Payment systems are one of basic elements of infrastructure of e-commerce. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission. Western Union for more than 130 years provides money transfer services to its customers. Western Union made so that the time in all of American civil services was the same.