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. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. 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 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. FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram The benefits of money transfers by MoneyGram: branching of network of the implementation of transfers across the world. 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.