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). The benefits of money transfers by MoneyGram: the payment of transfers is made in cash. 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. MoneyGram 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%. Millions of families depend on MoneyGram to safely send money home or pay the bills. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.