If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year.