Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Money transfer is a matter of minutes, at any distance. The Western Union Company is a financial services and communications company based in the United States. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it.