If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. On March 7, 2011, MoneyGram entered into a Recapitalization Agreement with THL, as the holder of all of the B Stock, and Goldman Sachs, as the holder of all of the B-1 Stock. 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. Bank services of MoneyGram on money transfer are available only to individuals. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.