When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. Around the world, MoneyGram is working with leading financial institutions. 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. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram The benefits of money transfers by MoneyGram: branching of network of the implementation of transfers across the world.