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. Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Thanks to cooperation with Western Union the Associated Press at the end of the XIX century took almost monopolistic position in the U.S. market news. Western Union made so that the time in all of American civil services was the same.