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. In 1864, fearing the laying of long underwater lines, Western Union offered to carry out laying of telegraph lines to Europe through the Russian Alaska under the narrow Bering Strait and then to Siberia with branching in the major cities of Europe. Payment systems are one of basic elements of infrastructure of e-commerce. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission. Western Union for more than 130 years provides money transfer services to its customers.