Review title is Nightmare to get activated! [SEP] If you install before your old payroll runs out, too bad so sad, you lose whatever part of the year you still had.  And you cannot activate without a current FULL credit card number.  I didn't have the card handy that was on the current license and it hadn't expired so I didn't expect them to refuse to activate until I had a full number.  So, I had to get a new CC just so I could activate the software.<br />Even though they were still billing the old card monthly for the extra employees.  Once you give them your cc number they automatically bill you for the full Quickbooks AND the payroll next year unless you call and cancel the purchase.  And then to use the retail license from Amazon when you buy it you have to call again.  and if you decide to wait on the payroll part if it expires later, you have to call AGAIN.  It is maddening to do this every year.  You save some money but you spend time.  So, if you are busy and billing time, you won't find this saves you anything and the frustration is high.  Quickbooks really needs to look into automating their registration process.