consumer-to-consumer service

Our Consumer-to-Consumer service allows people to send and receive money worldwide, primarily through a global network of third-party Agents who use our multi-currency money transfer processing systems.

We offer consumers a variety of ways to send money through Western Union, Orlandi Valuta and Vigo Agents worldwide. There is an Agent location nearly everywhere—from the biggest cities to the most remote towns. In many countries, we also offer the ability to send money over the Internet or the telephone using a credit or debit card.

We also offer consumers several options for receiving a money transfer. While we pay the vast majority of transfers in cash at Agent locations, in some places we offer payments directly to the receiver's bank account or a stored-value card.

walk-in money transfer service

More than 90 percent of our transactions are still done in person where consumers receive the attention and expertise of an Agent clerk. The Agent clerk collects cash from a consumer and within minutes, payment is available for pick-up at an Agent location convenient to the receiver. In the United States, many Agent locations also accept debit cards to initiate a transaction. We are continually developing convenient and customized solutions for consumers in a variety of regions.

online money transfer service

Our transactional Web site allows consumers to send funds online using a credit or debit card. Additionally, consumers can conveniently check the status of their transfer online.

telephone money transfer service

Our Telephone Money Transfer service allows consumers to send funds by telephone without visiting a Western Union Agent location. Consumers may call a toll-free number in the United States or the United Kingdom and use a debit card or credit card to initiate a transaction. The money transfer is then available for pay-out at a participating Agent location.

mobile money transfer service

We are working with mobile phone operators in select countries to introduce money transfers that consumers can send and receive with a cell phone. Recently, we announced three mobile operators that will participate in this initiative – expected to extend the benefits of financial services to many of the world's families for the first time. The first commercial services began in the second quarter of 2008.

payout services

Receivers can typically pick up available funds within minutes of the sender completing a transaction. In some countries, funds can be sent for next-day payout, bank account delivery or loaded to a stored-value card. In a number of countries in Latin America and the Caribbean, Western Union Agents offer a bank deposit service, in which the paying Agent provides the receiver the option to direct funds to a bank account or to a stored-value card. Vigo also offers Direct to Bank and home delivery service in certain countries.

consumer-to-business service

Our Consumer-to-Business service provides consumers with fast, flexible and convenient ways to send bill payments.

Western Union offers several electronic and cash payment options that allow our consumers to send bill payments on a one-time or recurring basis. Consumers can conveniently send payments for utility bills, auto loans, mortgages, financial and insurance service providers and government entities through our network of third-party Agents and various electronic channels.

For billers, our service provides comprehensive and customizable bill payment solutions that help improve cash flow and reduce costs. In the United States, our Consumer-to-Business segment is experiencing a shift in demand from cash-based, walk-in payment services to electronic payment services.

payment channels and methods of payment

Consumers can send payments over the telephone or Internet using credit cards, debit cards or through an Automated Clearing House (ACH), depending on the country of origin and the biller. Guaranteed funds for post-paid or prepaid services can also be sent in cash, and in some cases, debit card. Money order payment instruments can be purchased in the United States and Canada and used for monthly bills or catalog purchases.

specialized payment and foreign exchange services

We help companies compete globally. Through a strong focus on international payment services and a deep expertise in the foreign exchange industry, we design solutions with your business in mind. Our international banking relationships and tailored solutions put us in a unique position to provide you with more options and opportunities.

tailored solutions for your business

We empower clients through our unique service capabilities, commitment to excellence and deep industry specialization. Our diverse service portfolio is designed to solve today’s complex payment requirements.

international Payment Services

Foreign Management Consultation

Foreign Exchange Solution

Risk Management Consultation

Online FX Payment Platforms

Corporate Account Management Services

the business solutions advantage

We offer clients a competitive advantage through our world class service and extensive industry knowledge. Our team is focused on helping clients optimize their currency transactions in local, regional and international markets.

• Protect your business from rapid market fluctuations
• Transfer funds on your schedule 24/7
• Make currency transactions when rates are most favorable
• Offer suppliers improved payment terms
• Benefit from a diverse service suite
• Manage your currency risk with tailored hedging strategies
• Save funds by paying in foreign currencies
• Receive quality service from a team of professionals

Our dedicated team helps companies of all sizes operate across borders and currencies with confidence and success