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. The benefits of money transfers by MoneyGram: the payment of transfers is made in cash. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. Today the company MoneyGram International - an independent U.S. company, whose shares are traded on the New York Stock Exchange and MoneyGram money transfer is considered one of the largest international money transfer systems without opening a bank account.