This depends on whether you have JIRA Server or Jira Cloud.
JIRA Server and add-ons are to be payed for anually.
Jira Cloud add-ons are subscription based.. namely;
The pricing structure for cloud products and add-ons is as follows:
If you've opted for annual billing for your host product, add-ons are also billed annually at a discount (12 months for the price of 10).
If you pay anually.. then you will pay anually. There is no stopping it in the middle of your term. Should you choose to disable the add-on.. that is your decision. There will be no refunds for it.
Also see my answers on your other questions :-).
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