If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. Money transfer platform of MoneyGram will be integrated with the mobile platform LinqUs, which will allow customers to make international transfers with a mobile phone. The benefits of money transfers by MoneyGram: the payment of transfers is made in cash. Bank services of MoneyGram on money transfer are available only to individuals. 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%. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.