Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. MoneyGram - an international system of money transfers, which is one of the leaders of the world market and unites 233.000 agent locations in 190 countries. 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. In the city of San Salvador representatives of MoneyGram and Citibank announced a new regional project, which will provide money transfer services in Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. 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 company operates around the clock and all 7 days a week, so the time of money transfer takes only 10 minutes. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.