On March 7, 2011, MoneyGram entered into a Recapitalization Agreement with THL, as the holder of all of the B Stock, and Goldman Sachs, as the holder of all of the B-1 Stock. The greatest increases in Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. Bank services of MoneyGram on money transfer are available only to individuals. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.