Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. 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. The benefits of money transfers by MoneyGram: high level of data protection and confidentiality of money transfers. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.