If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. Despite the debt crisis in Europe and other shocks experienced by the world economy, the company MoneyGram International notes the increase in the money transfer market. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions.