1998 - the number of points of money transfers worldwide reached 50,000. The network of money transfers of Western Union is the world's largest. 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. Each money transfer is protected with control number, that allows you to track and to ensure prompt payment of money specified by you person. Payment systems are one of basic elements of infrastructure of e-commerce. One of the common kinds of money transfer is a transfer via the international system of Western Union. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. Western Union made so that the time in all of American civil services was the same. Number of active holders of "Golden Card" of Western Union amounted to 9.5 million people worldwide.