Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. In due time MoneyGram separated from the Western Union and became an independent brand. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. 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.