In the Western Union in the 30s of the 20th century worked 14 thousand couriers delivering telegrams. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. One of the common kinds of money transfer is a transfer via the international system of Western Union. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.