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 completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Money transfer wired system MoneyGram offers annually U.S. $ 500,000 in grants to charitable organizations to support education programs in developing countries. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked.