It ends up being a swizz!! When I first used this app is was cheap.and I bought it outright!!! Work that out..... No doubt about it. It is not cheap anymore. I have a limit on the amount of clients I have. So, some of my clients have not been clients for years. I delete them but you cannot replace them. Should this be the case when you pay year to year? Plus, in the UK they have the worst credit card payment system going. From the dark ages, 7 WORKING DAYS to hit your account. Enjoy that people. When you upgrade they do not refund the money from the previous plan you had. I hate it but out is taking me time to port my clients so have to stick with it till then.