Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. Payment systems are one of basic elements of infrastructure of e-commerce. Western Union incomes for 2007 have made $4,9 billion US dollars, and the quantity of transactions has made 572 million. Transaction with Fexco has allowed Western Union to control directly more than 10 thousand points of service, which belonged to Fexco in 7 European countries (Spain, UK, Sweden, Ireland, Denmark, Norway and Finland). In 1884 Western Union has become a joint-stock company and was brought to the stock exchange. The company has entered in the first American stock index Dow Jones. Gold Card Loyalty Program Western Union