Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. 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. In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. Money transfer is a matter of minutes, at any distance. Before transition to remittances Western Union company rendered services on sphere of cable communication. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.