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. Sum of the money transfer is paid immediately upon request at any convenient for client currency - cash in U.S. dollars, Euro, local currency, depending on the country of the transfer receiving. MoneyGram FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked.