With DaoPay, people charge the bill to their phone bill. n almost all countries, governments try to reduce the risk of fraud with Consumer Protection Laws. These laws usually allow consumers to reverse or object transactions within a period of 40 or more days. During this period, a consumer can demand his or her money back, which means that even though the recipient might have received money on their bank account, they can’t be sure that they can actually keep it. In other words, phone carriers can not release funds to us until this period has passed and all funds are safe. This is the same reason why credit card companies usually pay merchants after 60 days.