agents include major networks, such as post offices, banks and retailers, and other established organizations and smaller independent retail locations that provide other consumer products and services. The company provides its third-party agents with access to its multi-currency, real-time money transfer processing systems used to originate and pay money transfers. The company’s systems and processes enable its agents to pay money transfers in approximately 130 currencies worldwide. Western Union provides central operating functions, such as transaction processing, settlement, marketing support and consumer relationship management to its agents, as well as compliance training and related support. Some of the company’s agents outside the United States manage subagents. The company refers to these agents as superagents. Consumer-to-Business segment This segment provides options to make one-time or recurring payments from consumers to businesses and other organizations, including utilities, auto finance companies, mortgage servicers, financial service providers, government agencies and other businesses. Consumers might make a cash payment at an agent or company-owned location or might make an electronic payment on the Internet or through the phone using their credit or debit card, or through ACH. The company’s Internet services are provided through its own Websites or in partnership with other Websites for which the company acts as the service provider. Services The company’s Consumer-to-Business payments services are available through various options that give consumers choices as to the payment channel and method of payment, and include the following: Speedpay: The company’s Speedpay service is offered principally in the United States and allows consumers to make payments to various businesses using credit cards, debit cards, ACH and in limited situations, checks. Payments are initiated through the Internet or through the phone. The company also partners with some businesses to allow their customers to access Speedpay from their Websites. Pago Fácil: In South America, the company offers walk-in, cash bill payment services, which allow consumers to make payments for services, such as phone, utilities and other recurring bills. In Argentina, the company provides this service under the Pago Fácil brand, which constitutes the majority of its services in South America. The company offers this service under the Western Union brand in Peru and Panama. Western Union Payments: The Western Union Payments service, which includes the company’s Quick Collect service, allows consumers to send funds to businesses and government agencies, primarily across the United States and Canada, using cash, and in certain locations, a debit card. This service is offered primarily at Western Union agent locations, but is provided through the company’s westernunion.com Website in limited situations. This service is also offered in select international locations under the service mark Quick Pay. The company also offers Quick Cash, a cash disbursement service used by businesses, government agencies, and financial institutions primarily to send money to employees or individuals with whom they have accounts or other business relationships. Consumers also use the company’s Western Union Convenience Pay (Convenience Pay) service to send payments by cash or check from a smaller number of Convenience Pay agent locations primarily to utilities and telecommunication providers. Distribution and Marketing Channels The company’s electronic consumer payment services are available primarily through the phone and Internet, including through certain mobile devices, while its cash-based consumer services are available through its agent networks and at select company-owned locations that are primarily in South America. The company’s Internet services are marketed to consumers on its Websites, on the Websites of its partners who offer the company’s payment solutions or through co-branding arrangements with these partners. Consumers could make payments to approximately 15,000 businesses through its Consumer-to-Business services. These rel
western union co (WU:New York)
12500 East Belford Avenue
Englewood, CO 80112
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