Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. The benefits of money transfers by MoneyGram: there is no need to open a checking account when implementing the transfer. Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. Withdrawal of Webmoney via MoneyGram allows to get cash within a day. No need to wait a long time to obtain funds, and then also to stand in queues. Everything happens very quickly. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Bank services of MoneyGram on money transfer are available only to individuals. The benefits of money transfers by MoneyGram: the opportunity to send a telegram with money transfer (up to 10 words) for free. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.