Western Union is a global leader in cross-border money movement and payments, operating through a network of approximately 360,000 agent locations, company-operated stores, and digital channels across more than 200 countries and territories. The company generates revenue primarily from consumer money transfer services, which allow individuals to send funds globally through cash pickup, bank transfers, and digital wallets, as well as supplementary services including bill payments, money orders, currency exchange, and prepaid cards. Western Union earns money through customer fees on money transfers (which vary by channel, location, and funding method), foreign exchange spreads, and commissions to sending and receiving agents, while maintaining competitive advantages rooted in its brand recognition, extensive distribution network, and multiple payment delivery options.