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. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. 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. Sum of the money transfer is paid immediately upon request at any convenient for client currency - cash in U.S. dollars, Euro, local currency, depending on the country of the transfer receiving.