Get rid of tap ?
I assume that you mean 'tab' and not 'tap.' It is the monthly cost for the phone you likely got on tab medium. Koodo adds the cost of the phone on top of the plan and after 24 months it is paid off and you're back to paying for just your plan. If you don't want to have it, you can pay off the total amount left after 90 days, but you're not paying interest or anything so it doesn't matter except for potential peace of mind.