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: payment of commission is only at the expense of sender. The benefits of money transfers by MoneyGram: high level of data protection and confidentiality of money transfers. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.