The Western Union Company provides money movement and payment services worldwide. As of December 31, 2014, the companys services were available through a network of approximately 500,000 agent locations in 200 countries and territories.SegmentsThe companys segments include Consumer-to-Consumer, Consumer-to-Business, and Business Solutions.Consumer-to-ConsumerThe Consumer-to-Consumer operating segment facilitates money transfers between two consumers, primarily through a network of third-party agents. The companys multi-currency, real-time money transfer service is viewed by as one interconnected global network where a money transfer can be sent from one location to another worldwide. Its money transfer services are available for international cross-border transfers, and in certain countries, intra-country transfers. This segment also includes money transfer transactions that can be initiated through Websites and account based money transfers.The segment includes five geographic regions whose functions are limited to generating, managing and maintaining agent relationships and localized marketing activities and also includes its online money transfer service conducted through Western Union branded Websites (westernunion.com). Although most remittances are sent from one of its agent locations worldwide, in some countries the company offers the ability to initiate transactions through Websites, mobile devices, and account-based money transfers. All agent locations accept cash to initiate a transaction, and some also accept debit cards. The company offers consumers various options to receive a money transfer. The company offers payout directly to the receiver's bank account, to a stored-value card, through the issuance of a money order, or at a small number of locations, through a check.Services The company offers money transfer services in approximately 200 countries and territories. In 2014, the substantial majority of its Consumer-to-Consumer transactions were cash
United States
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