When you are doing a 12 month plan for say £100 per month including VAT (So £83.33 Ex VAT per month) and a 12 month total of £1,200 incl VAT what price do you put into:
a) The ‘product price’ section in the ‘product information’ tab - is it the monthly (£100) or the annual (£1200) amount?
b) The subscriptions tab in the ‘plan price’ section. Its 1 per month at 12 cycles but is the plan price the monthly or total amount?
So if you want a Buy now at X price but with the OPTION of breaking it up into payments (maybe with a surcharge) then I would go down the payment plan route.
However if it is a subscription, then use subscriptions, nothing wrong with them. Make it subscription only and put in the sub details.