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. The company continues to automate and enhance MoneyGram Bank services of MoneyGram on money transfer are available only to individuals. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.