If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. In due time MoneyGram separated from the Western Union and became an independent brand. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Around the world, MoneyGram is working with leading financial institutions. The benefits of money transfers by MoneyGram: branching of network of the implementation of transfers across the world.