If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. The company continues to automate and enhance MoneyGram Bank services of MoneyGram on money transfer are available only to individuals. The benefits of money transfers by MoneyGram: high-speed delivery of transfers (10-15 min). MoneyGram completed the rollout of simplified pricing for money transfer services in the U.S., an initiative that began last year. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap.