If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. The company continues to automate and enhance MoneyGram MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. It is very convenient and quick to transfer money without opening accounts and having no payment cards, precisely due to this wired transfer system MoneyGram has become one of the most common worldwide. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%.