The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Sum of the money transfer is paid immediately upon request at any convenient for client currency - cash in U.S. dollars, Euro, local currency, depending on the country of the transfer receiving. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency. The benefits of money transfers by MoneyGram: the transfer is available in the system to obtain within 90 days. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.