In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. Payment systems are one of basic elements of infrastructure of e-commerce. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. To obtain the Golden card can any client of Western Union, committing money transfers on this system more than 1 time per year. Getting the card is issued at the time of making of the next transfer. Before transition to remittances Western Union company rendered services on sphere of cable communication. 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.