Western Union offers one of the easiest ways for families and friends to send money and stay connected almost anywhere in the world. 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. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. Payment systems are one of basic elements of infrastructure of e-commerce. In 1849, Selden and Sibley, the founders of the future Western Union, created the New York State Printing Telegraph Company.