The Western Union Company is a provider of cross-border, cross-currency money movement payments, and digital financial services. The Company operates through Consumer Money Transfer, Business Solutions, and Consumer Services. The Consumer Money Transfer segment facilitates money transfers that are sent from retail agent locations worldwide or through Websites and mobile devices. The Business Solutions segment facilitates payment and foreign exchange solutions, primarily cross-border, cross-currency transactions, for small and medium-sized enterprises, and other organizations and individuals. The segment's business is related to exchanges of currency at spot rates, which enables customers to make cross-currency payments, and also provide foreign currency forward and option contracts for customers to facilitate future payments. The Consumer Services segment includes its bill payment services, which facilitate payments from consumers, businesses, and other organizations.