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One site I push a lot has just two options.
1. Higher price, if you join for a single month, no re-bills.
2. Lower price per month, re-billed automatically.
This way, if a person is freaked about re-bills, they can still join, but they pay a premium. Personally I like this model better, and I get a nice boost in income for their fear. I think multi-month options are opening yourself up to people getting access for months, asking for a refund, and you've lost a bigger chunk of income. My 2 cents.
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