Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. 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. The Western Union Company uses the most up to date technologies and its unique worldwide computer network that allows to carry out quick money transfers payments in more than 190 countries around the world. 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.