The AI Chat part does require you to continue to subscribe (through itch.io you buy it again each month if you still want the AI Chat part, but keep the rest of vamX). If you buy through itch.io it does require PayPal, but PayPal should be able to process mastercard/visa through PayPal. If you get a monthly subscription, you get a password for that month. Then you can continue to use everything till that password gets changed for the next month. You can always subscribe each month, download what you need including the passwords, then cancel right away, if you prefer to not stay subscribed.