If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. 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. Until 2004, the owners of MoneyGram were Viad Corp and Travelers Express Company Inc. To 284 thousands of service points has grown global network of MoneyGram agent offices in the 2nd quarter of 2012 due to India, Spain and Africa, thus its growth was 16%. MoneyGram company operates around the clock and all 7 days a week, so the time of money transfer takes only 10 minutes.