In the 30's of the twentieth century, Western Union has become the world's largest telegraph company. 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 1995, First Financial Management was acquired by First Data Corp. (the deal amounted to $ 7 billion), and Western Union Financial Services became a subsidiary of First Data. Money transfer is a matter of minutes, at any distance. By 1861 Western Union telegraph lines entangled the whole America. It's time to explore Europe. Payment systems are one of basic elements of infrastructure of e-commerce. Gold Card Loyalty Program Western Union