If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram's total revenue for the 2nd quarter of 2012 was $ 330.1 million, having been increased on 7% compared to $ 310 million in Q2 2011. Around the world, MoneyGram is working with leading financial institutions. 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. Bank services of MoneyGram on money transfer are available only to individuals. 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. Using the MoneyGram system, you can easily send money to your relatives and friends in other countries. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. 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%. 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.