When sending the transfer via MoneyGram in one currency and receiving it in another, then currency conversion is carried out at the current rate of sales of current service point. When sending money, we must always remember that into the speed of money transfers almost always make the corrective amendmentssuch such things as the difference in time zones around the world and on different continents, operating time of MoneyGram offices, branches of partners and banks. Despite the debt crisis in Europe and other shocks experienced by the world economy, the company MoneyGram International notes the increase in the money transfer market. MoneyGram's total revenue for the 2nd quarter of 2012 was $ 330.1 million, having been increased on 7% compared to $ 310 million in Q2 2011. In 2011, a global network of agents of MoneyGram has grown up to 256 000 service points, thus its growth is 24% compared to the same period of the previous year. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. The main clients of MoneyGram are students, travelers, immigrants, expatriates, however, recently representatives of businesses who appreciate the advantages of fast and reliable money transfer, joined them. For the company MoneyGram is important not only to provide customers with an easy and convenient way to carry out money transfers and support their families at home, but also to help them as much as possible to adapt to the foreign countries. 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. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.