Understanding that being in another country, you may not be fluent in the local language, that's why MoneyGram always tries to talk to you in your native language. MoneyGram completed the acquisition of MoneyCard World Express, S.A. (MoneyCard) and Cambios Sol, S.A., two money transfer super-agents located in Spain. MoneyGram FormFreeSM phone-based offering allows businesses to reduce labor costs and create an excellent consumer experience by leveraging MoneyGram MoneyGram hired compliance officers in many of their global offices to ensure compliance with regulations of specific countries or regions. 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.