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. Another invention of Western Union - time synchronization. Money transfer is a matter of minutes, at any distance. Payment systems are one of basic elements of infrastructure of e-commerce. The Western Union Company is a leader in global payment services Western Union made so that the time in all of American civil services was the same.