In 1866, Sibley ordered the engineers to develop a Western Union telegraph system of stock quotes in real time. Payment systems are one of basic elements of infrastructure of e-commerce. All you need for sending money via Western Union is to go to the nearest branch of Western Union, fill out the transfer printed form, show your passport and then send money. 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.