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 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. The Western Union Company is a financial services and communications company based in the United States. In the summer of 1990 top managers of the Western Union Company spent day and night in the main office in Englewood (Colorado, USA). They needed to meet the challenge: to save the Western Union from bankruptcy, paying off the debts of the company millions of dollars.