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. In due time MoneyGram separated from the Western Union and became an independent brand. The company continues to automate and enhance MoneyGram 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. What are the main benefits of money transfers by MoneyGram? Cost. Today, it is most advantageous to the customer service of all the similar services. Millions of families depend on MoneyGram to safely send money home or pay the bills. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.