Since the Canadian dollar has been doing alright recently but expected to dip soon, I chose the pay it off now option for several of my pre-orders. None of them got charged right away, and I think it pretty much just changed to more of a "charge it when it ships" option as that was the case with my C-3PO PF. I also used this option for the R2 PF and has yet to be billed at all despite my flex payment day coming and going already. I know R2 got delayed so I guess it will be billed when it is ready to ship. I did call and have them bill my the rest of my flex payments for the Rey/BB8 1/6 figure (about 4) and they did that no problem, except they will not bill the last payment (and shipping) until it is in stock and ready to go. I would prefer an option to just pay for the item completely right away like this option seems to imply, even if they billed shipping separately when it is ready to go out. Would be nice option for international customers to try and get the most out of their dollar when they can.