Despite the debt crisis in Europe and other shocks experienced by the world economy, the company MoneyGram International notes the increase in the money transfer market. The benefits of money transfers by MoneyGram: the payment of transfers is made in cash. MoneyGram FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap. The benefits of money transfers by MoneyGram: sender of of transfer can choose to receive a money transfer currency - U.S. dollars or euros.