Our EZ Pay offers you the option of making payments over 4 months. The first charge, after confirmation of your order, is $89.90 including shipping. After you receive your order your 30 day money back trial begins. If we don’t hear from you by the end of your 30 day trail, we will bill your credit card $44.95 as the first payment of three monthly installments for a total of $134.85. If you have any questions, please call customer service 1-800-858-WORD X200