If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. The benefits of money transfers by MoneyGram: payment of commission is only at the expense of sender. In due time MoneyGram separated from the Western Union and became an independent brand. The company continues to automate and enhance MoneyGram 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. The benefits of money transfers by MoneyGram: branching of network of the implementation of transfers across the world. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.