Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. 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.