Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. 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. In 1933, by the Western Union Company were invented "singing telegrams". Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders.