If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. International company MoneyGram has expanded its service capabilities of online money transfers to UK residents. Around the world, MoneyGram is working with leading financial institutions. 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.