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. 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%. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency.