Power outages, voltage fluctuations, and water shortages happen occasionally throughout the country. Credit cards are rarely accepted in the country. Travelers planning to use credit cards should know which cards, if any, are accepted before they commit to a transaction. Travelers should keep all credit card receipts, because unauthorized card use and overcharging are common. Some major banks have Automatic Teller Machines that dispense local currency, but they will only accept Visa cards. Travelers will not be able to withdraw money using Mastercard. Well-known money transfer firms, including Western Union, operate in Togo.