If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Around the world, MoneyGram is working with leading financial institutions. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram The benefits of money transfers by MoneyGram: high-speed delivery of transfers (10-15 min). To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%.