On March 7, 2011, MoneyGram entered into a Recapitalization Agreement with THL, as the holder of all of the B Stock, and Goldman Sachs, as the holder of all of the B-1 Stock. 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. Bank services of MoneyGram on money transfer are available only to individuals. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.