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. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. In the 80's of Nineteenth century, Western Union was repeatedly tried capture by the railroad tycoon Jay Gould. He worked with Alexander Graham Bell, inventor of the first phone. 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. To obtain the Golden card can any client of Western Union, committing money transfers on this system more than 1 time per year. Getting the card is issued at the time of making of the next transfer.