As we are a US company we do not charge any VAT. All Hunter prices are VAT free.
"Yearly Plans" offer a 12 month subscription with a 20% discount on the monthly price: if you cancel a Yearly plan you'll still be able to use your paid subscription until the end of the yearly billing period.
Unfortunately, if your payment gets declined, there is not a lot we can do since this comes from your bank.
You can increase the chances the payment is accepted by making sure the information you entered are the same your bank have (CVC, cardholder name, postal address for the billing).
If your payments keep getting declined, we suggest using a different card or contact your bank to allow future transactions.