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. After the correction of tariffs, volumes of MoneyGram transfers increased by 30%. Money orders and official checks by MoneyGram continue their steady performance and expanded line of bill payment services deliver excellent results. MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.