If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. In due time MoneyGram separated from the Western Union and became an independent brand. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. The benefits of money transfers by MoneyGram: the payment of transfers is made in cash. 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. MoneyGram