We currently offer 2 types of 10 month payment plan, Hardware Bundled with Software or Software Only.  Both payment plans include a 5% Finance Fee, which is included in the monthly payments. The payment plans with Hardware Bundled with Software, requires an initial down payment (also called Sign-up Fee) which is included in the first payment.  After you Sign-Up and start you 10 month subscription payment plan, you can go to your account and change the credit card information if you need to switch credit cards or the company sends you a new card and the expiration date or code change.  In addition, you can change the date your card will be charged but this can only be done once during the 10 months the payment plan is in place.