The Western Union Company - the American company, specialising on granting of services of monetary intermediary. Western Union was founded in 1851. The company is one of leaders in the market of the international remittances. Most service points of Western Union work in the time convenient for customers throughout the week and throughout the year. Payment systems are one of basic elements of infrastructure of e-commerce. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. 1970 - a new service called