Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. 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. 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. Thanks to cooperation with Western Union the Associated Press at the end of the XIX century took almost monopolistic position in the U.S. market news. In the 1910-1920 years. Western Union is actively engaged in researching, innovating in the field of data transmission. Western Union made so that the time in all of American civil services was the same.