If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. 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. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. Around the world, MoneyGram is working with leading financial institutions. In MoneyGram were added or converted new currencies in an additional 29 countries during the past year, providing consumers with a wide array of currency payout options. Bank services of MoneyGram on money transfer are available only to individuals. MoneyGram point-of-sale systems are continually upgraded to provide the latest new products and functionality. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.