1980 - for the first time in the history of Western Union revenues from money transfers exceeded the income from the telegraph service. 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. Before transition to remittances Western Union company rendered services on sphere of cable communication. The Western Union Company is a financial services and communications company based in the United States.