1980 - for the first time in the history of Western Union revenues from money transfers exceeded the income from the telegraph service. By 1861 Western Union telegraph lines entangled the whole America. It's time to explore Europe. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. The Western Union Company is a financial services and communications company based in the United States. Western Union provides consumers and businesses with fast, reliable and convenient ways to send and receive money around the world, to send payments and to purchase money orders. In the summer of 1990 top managers of the Western Union Company spent day and night in the main office in Englewood (Colorado, USA). They needed to meet the challenge: to save the Western Union from bankruptcy, paying off the debts of the company millions of dollars. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it. Western Union for more than 130 years provides money transfer services to its customers.