The Western Union Company provides money movement and payment services worldwide. The company operates in three segments: Consumer-to-Consumer, Consumer-to-Business, and Business Solutions. The Consumer-to-Consumer segment offers cash money transfer services involving walk-in agent locations. This segment provides various options for sending and receiving funds, including walk-in and telephone money transfer, online money transfer, and account based money transfer services through a network of third-party agents using multi-currency and real-time money transfer processing systems. The Consumer-to-Business segment offers 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. It also provides various products, which give consumers choices as to the payment channel and method of payment, including Speedpay, Pago Fácil, and Western Union Payments. This segment offers its services primarily through the phone and Online, as well as through its agent networks and selected company-owned locations. The Business Solutions segment facilitates payment and foreign exchange solutions, principally cross-border and cross-currency transactions for small and medium size enterprises and other organizations, as well as for individuals. This segment provides its services through the phone, partner channels, and the Internet. As of December 31, 2014, the company had a network of approximately 500,000 agent locations in approximately 200 countries and territories. The Western Union Company was incorporated in 2006 and is headquartered in Englewood, Colorado.