no telco pays sooner than 45 days, that 150 days was the longest countries. that being said, the sms billers don't pay you the minute they get their wire transfers from the telcos, either.

and actually dialers and other phone payment systems have MUCH MUCH higher numbers of people who claim someone else made the charge. the reason should be obvious - any friend in your house has access to your phone. your kids have access to your phone, the dog walker has access to your phone. most people leave their phones lying around. a lot less people leave their wallet or credit card lying that obviously around.

the chargebacks in our industry for cc use is 1% or under for most sites. i hear chargebacks on dialers started out at 15% and ended up at 40% in the u.s.