Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. Money transfer system MoneyGram International and the second largest bank in China - Bank of China, announced the start of service of MoneyGram at 200 offices Bank of China in Beijing. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. MoneyGram - is an urgent money transfer by means of wired transfer around the world without opening a bank account. In the city of San Salvador representatives of MoneyGram and Citibank announced a new regional project, which will provide money transfer services in Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.