Is there anyway around the limitation to add more than one payment tool?

Here is what I am trying to do.

Based on the selections in the form, I want the prices that are offered to adjust.

So for instance transportation is an extra charge on our form. I don't want to leave it to the person filling out the form to select this this additional "product" because in my experience, there will be many who don't and will just pay for weekly after school care, need transportation, but because the price didn't automatically add it on, they didn't select it.

So I was trying to use conditional logic and show one payment tool if they select no transportation, but if they did show a different payment tool with the adjusted price.

Is there a work around since Jotform won't let me add two payment tools?

Unfortunately it is not possible to have two payment fields on the same form. However there is possible workaround. Inside of this guide you can find how to create basic multiple payment form:

How to Create a Basic Multiple Payment form

Other possible solution would be set you products outside of payment field using basic fields, then to perform calculation inside of the form and finally to pass calculation to your payment field. 

How to Perform Form Calculation Using a Widget

How to Assign Calculation Value

How to Pass a Calculation to a Payment Field

Hope this will help. Let us know if you need further assistance.