The Western Union Company (Western Union) is a provider of money transfer services, such as sending money around the world, paying bills and purchasing money orders. The Company operates through two segments: consumer-to-consumer and consumer-to-business. In the consumer-to-consumer segment the Company provides its third-party agents with its multi-currency, real-time money transfer processing systems used to originate and pay money transfers. In the consumer-to-business segment the Company offers consumers options to make payments electronically over the telephone or the Internet, and to make cash payments in person at an agent location. It processes electronic payments using the consumer’s credit card, debit card or bank account. The Company offers money transfer and bill payment services under the Western Union, Orlandi Valuta, Vigo and Pago Facil brands. In September 2006, Western Union became an independent company as a result of a spin off from First Data Corporation.