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. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. The benefits of money transfers by MoneyGram: simplicity in making up. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.