If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In due time MoneyGram separated from the Western Union and became an independent brand. MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. MoneyGram FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram Today the company MoneyGram International - an independent U.S. company, whose shares are traded on the New York Stock Exchange and MoneyGram money transfer is considered one of the largest international money transfer systems without opening a bank account. Today, MoneyGram - is the second world leader by the growth of money transfers between individuals and the dynamics of international network services.