If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. When sending money, we must always remember that into the speed of money transfers almost always make the corrective amendmentssuch such things as the difference in time zones around the world and on different continents, operating time of MoneyGram offices, branches of partners and banks. MoneyGram cooperates with numerous partners from Europe. Among them such financial establishments as Post of Canada, Cyprus, Ukraine, Iceland, Moldova, the Royal Mail of UK and Norway, Italian Post, Bank of Ireland, Sberbank of Russia, Kocbank, Banco Popular Espanol, and many others. 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. In the city of San Salvador representatives of MoneyGram and Citibank announced a new regional project, which will provide money transfer services in Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. It is very convenient and quick to transfer money without opening accounts and having no payment cards, precisely due to this wired transfer system MoneyGram has become one of the most common worldwide. Commission income on remittances and other revenues of MoneyGram in the 2nd quarter 2012 increased by 10% compared to the same period last year and 13% in the base currency.