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. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. The benefits of money transfers by MoneyGram: no fixup (the recipient may request payment at any MoneyGram agent in the country of receiving). Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. The company installed more than 23,000 new MoneyGram signs around the globe, making it easier for consumers to find MoneyGram agents. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency.