Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. 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. 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.