In order to increase competitiveness and market expansion of its services, Western Union launched a program of loyalty Western Union Gold Card for customers, who has repeatedly made money transfers via Western Union. Payment systems are one of basic elements of infrastructure of e-commerce. Western Union incomes for 2007 have made $4,9 billion US dollars, and the quantity of transactions has made 572 million. Western Union made so that the time in all of American civil services was the same.