Money transfers via MoneyGram system can be used as by bank customers, and by people who do not have bank accounts. The benefits of money transfers by MoneyGram: no fixup (the recipient may request payment at any MoneyGram agent in the country of receiving). In due time MoneyGram separated from the Western Union and became an independent brand. 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's consumers and agents expect reliability and safety and that is precisely what MoneyGram continues to deliver, transaction by transaction. 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. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.