If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. The greatest increases in 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. 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. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year.