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. In 1860 the U.S. Congress arranged among the telegraph companies a competition to create a national line. The winner was Western Union. Payment systems are one of basic elements of infrastructure of e-commerce. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online.