The Western Union Company is an American financial service and communications company. The Company manages its business around the consumers and businesses it serves and the types of services it offers. Each of Western Union's three segments addresses a different combination of customer groups, distribution networks, and services offered. Its segments are Consumer-to-Consumer, Consumer-to-Business and Business Solutions. The Company's Сonsumer-to-Consumer segment facilitates money transfers between two consumers, primarily through a network of third-party agents. The Consumer-to-Business 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 and government agencies. Its Business Solutions operating segment facilitates payment and foreign exchange solutions, primarily cross-border, cross-currency transactions, for small and medium size enterprises and other organizations and individuals.