Western Union

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. Consumer-to-Business transactions account for nearly 15% of our total revenue.

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.