Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. In April 1851 companions registered in Albany New York and Mississippi Valley Printing Telegraph Company (NYMVPTC), which included founded two years before New York State Printing Telegraph Company. The Western Union Company is a leader in global payment services In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. The Western Union Company is a financial services and communications company based in the United States. In 1849, Selden and Sibley, the founders of the future Western Union, created the New York State Printing Telegraph Company. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.