If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In due time MoneyGram separated from the Western Union and became an independent brand. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. Millions of families depend on MoneyGram to safely send money home or pay the bills. The benefits of money transfers by MoneyGram: sender of of transfer can choose to receive a money transfer currency - U.S. dollars or euros.