西联汇款美股招股说明书(2026-05-01版)

$165,000,000 4.750% Notes due 2029 The Western Union Company is offering $165,000,000 aggregate principal amount of 4.750% Notes due 2029 (the “notes”). Interest on the notes will be set at aper annum rate equal to 4.750%. The interest rate on the notes may be adjusted under the circumstances described in this prospectus supplement under “Description ofthe Notes—General—Interest Rate Adjustment.” The Western Union Company will pay interest on the notes on June15 and December15 of each year, beginningDecember15, 2026. The notes will mature on June15, 2029. The notes offered hereby constitute a further issuance of our 4.750% notes due 2029, of which $450,000,000 aggregate principal amount was issued on March 9,2026 (the “existing notes”). The notes offered hereby will form a single series with, and have the same terms as, the existing notes (other than the initial offering priceand the issue date). Upon settlement, the notes offered hereby will have the same CUSIP/ISIN number and will trade interchangeably with the existing notes.Immediately after giving effect to the issuance of the notes offered hereby, we will have $615,000,000 aggregate principal amount of 4.750% notes due 2029 outstanding. The Western Union Company may redeem the notes at its option, in whole or in part, at any time and from time to time, at the applicable prices specified in thisprospectus supplement under the section titled “Description of the Notes—Optional Redemption.” The notes will not be listed on any securities exchange or included in any automated quotation system. Currently, there are no public markets for the notes. Anymarket that has developed for the existing notes may not be maintained. The notes will be issued only in denominations of $2,000 and integral multiples of $1,000 in excess thereof. Investing in the notes involves risks. See the sections titled “Risk Factors” beginning on page S-6 of this prospectus supplement, page5 ofthe accompanying prospectus and page 17 of our Annual Report on Form 10-K for the year ended December31, 2025 filed with the U.S.Securities and Exchange Commission (the “SEC”) for a discussion of certain of the risks you should consider before investing in the notes. PerNoteTotalPublic offering price(1)98.793%$163,008,450Underwriting discount0.250%$412,500Proceeds, before expenses, to The Western Union Company(1)98.543%$162,595,950 (1)Plus accrued interest from and including March 9, 2026 to, but excluding the issue date of the notes, totaling approximately $1,219,166.67 (assuming the issue date is May 5, 2026).Such accrued interest must be paid by the purchasers of the notes offered hereby. Neither the SEC nor any U.S. state securities commission has approved or disapproved of these securities or determined if this prospectus supplement orthe accompanying prospectus is truthful or complete. Any representation to the contrary is a criminal offense. We expect that the notes will be ready for delivery in book-entry form only through The Depository Trust Company (“DTC”) and its participants, includingClearstream Banking S.A. (“Clearstream”) and Euroclear Bank SA/NV (“Euroclear”), as operator of the Euroclear System, on or about May 5, 2026, which is the thirdbusiness day following the date of this prospectus supplement (such settlement being referred to as “T+3”). Book-Running Manager WellsFargoSecurities Table of Contents TABLE OF CONTENTSProspectus Supplement ABOUT THIS PROSPECTUS SUPPLEMENTFORWARD-LOOKING STATEMENTSWHERE YOU CAN FIND MORE INFORMATIONSUMMARYRISK FACTORSUSE OF PROCEEDSCAPITALIZATIONDESCRIPTION OF THE NOTESMATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONSUNDERWRITINGLEGAL MATTERSEXPERTS Prospectus ABOUT THIS PROSPECTUSWHERE YOU CAN FIND MORE INFORMATIONFORWARD-LOOKING STATEMENTSRISK FACTORSTHE WESTERN UNION COMPANYUSE OF PROCEEDSDESCRIPTION OF DEBT SECURITIESPLAN OF DISTRIBUTION LEGAL MATTERS EXPERTS Table of Contents ABOUT THIS PROSPECTUS SUPPLEMENT This document is in two parts. The first part is this prospectus supplement, which describes the terms of the offering of the notes. The second partis the accompanying prospectus dated September26, 2025, which we refer to as the “accompanying prospectus.” The accompanying prospectuscontains a description of certain terms of the debt securities we may issue, including the notes, and gives more general information, some of which maynot apply to the notes. To the extent the information contained in this prospectus supplement differs or varies from the information contained in theaccompanying prospectus or the documents incorporated by reference into the prospectus supplement or the accompanying prospectus, the informationin this prospectus supplement controls. We have not, and the underwriter has not, authorized anyone to provide you with any information other than, and you should rely only on, theinformation contained or incorporated by reference in this prospectus supplement and the accompanying prospectus and in any f