If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Very intensive and focused approach has helped MoneyGram to grow business at a rapid pace and establish MoneyGram as a global player in the marketplace. Bank services of MoneyGram on money transfer are available only to individuals. Millions of families depend on MoneyGram to safely send money home or pay the bills. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap. The benefits of money transfers by MoneyGram: sender of of transfer can choose to receive a money transfer currency - U.S. dollars or euros. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.