Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. The benefits of money transfers by MoneyGram: payment of commission is only at the expense of sender. Since going public two and a half years ago, MoneyGram has made great strides by pouring energy and resources into several critically important areas for business. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.