If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In 2011, a global network of agents of MoneyGram has grown up to 256 000 service points, thus its growth is 24% compared to the same period of the previous year. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.