If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. AgentConnect continues to be an attractive alternative for businesses that choose to integrate their networks and point-of-sale platforms with the MoneyGram wired transfer. Money transfer platform of MoneyGram will be integrated with the mobile platform LinqUs, which will allow customers to make international transfers with a mobile phone. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.