The presence of Western Union Gold Card at the client greatly simplifies the process of further processing of money transfers of and reduces the operation time for the sending of money, as the "Gold Card" is a carrier of the personal information about the client. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. Money transfer is a matter of minutes, at any distance. Payment systems are one of basic elements of infrastructure of e-commerce. In October 1871 the company has implemented the world's first telegraph money order. After a century money transfers have become a major source of income for Western Union. The Western Union Company is a financial services and communications company based in the United States. Western Union made so that the time in all of American civil services was the same. Western Union for more than 130 years provides money transfer services to its customers.