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. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. Payment systems are one of basic elements of infrastructure of e-commerce. In 1849, Selden and Sibley, the founders of the future Western Union, created the New York State Printing Telegraph Company. Western Union made so that the time in all of American civil services was the same.