The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Payment systems are one of basic elements of infrastructure of e-commerce. Western Union made so that the time in all of American civil services was the same. Western Union for more than 130 years provides money transfer services to its customers.