If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. The benefits of money transfers by MoneyGram: no fixup (the recipient may request payment at any MoneyGram agent in the country of receiving). The company installed more than 23,000 new MoneyGram signs around the globe, making it easier for consumers to find MoneyGram agents. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Bank services of MoneyGram on money transfer are available only to individuals. MoneyGram offers an efficient, fast and secure way to send money around the world. Millions of families depend on MoneyGram to safely send money home or pay the bills. MoneyGram company operates around the clock and all 7 days a week, so the time of money transfer takes only 10 minutes. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.