If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. 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. The greatest increases in Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. 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 MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year.