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. One of the common kinds of money transfer is a transfer via the international system of Western Union. The Western Union Company is a financial services and communications company based in the United States. Gold Card Loyalty Program Western Union Western Union made so that the time in all of American civil services was the same.