MoneyGram International, one of the leaders in the market of international money transfers, announced about its entering the market of Bosnia and Herzegovina, started cooperation with the country's largest bank Nova Bank. 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. In due time MoneyGram separated from the Western Union and became an independent brand. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. Bank services of MoneyGram on money transfer are available only to individuals. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.