AgentConnect allows MoneyGram agents to integrate the money transfer service with their internal security and training processes. Since going public two and a half years ago, MoneyGram has made great strides by pouring energy and resources into several critically important areas for business. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. For the recipient MoneyGram service of wired transfer is free. All expenses will be paid by the sender at the time of sending money. MoneyGram launched a new in-person bill payment service which will be delivered through agents in their domestic network, giving consumers an easy, low-cost method to pay their bills. Until 2004, the owners of MoneyGram were Viad Corp and Travelers Express Company Inc. In March 2012, the company MoneyGram merged with the network of U.S. payment centers ZipZap. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume.