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 the early 60s Western Union has put into operation transcontinental microwave system of data transmission via radio waves, completely replacing the web of telegraph poles and wires. Money transfer is a matter of minutes, at any distance. By 1861 Western Union telegraph lines entangled the whole America. It's time to explore Europe. Payment systems are one of basic elements of infrastructure of e-commerce. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.