If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. AgentConnect continues to be an attractive alternative for businesses that choose to integrate their networks and point-of-sale platforms with the MoneyGram wired transfer. MoneyGram's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Bank services of MoneyGram on money transfer are available only to individuals. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days.