Due to regulatory requirements and consumer demand in Germany and France, MoneyGram opened company stores in both countries. 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. In due time MoneyGram separated from the Western Union and became an independent brand. Millions of people around the world trust MoneyGram, as the wired transfer system provides its customers with a reliable, fast and inexpensive service. MoneyGram agents are located - in post offices, bank offices, supermarkets, and even travel agencies. Keep in mind that if your locality there are several banks, working with MoneyGram and you will convert the currency received, before receiving check currency rates in several points - they can vary. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.