If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram's total revenue for the 2nd quarter of 2012 was $ 330.1 million, having been increased on 7% compared to $ 310 million in Q2 2011. In due time MoneyGram separated from the Western Union and became an independent brand. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. 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. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. 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. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.