Non Required field is stopping the user from submitting form

I have a payment section that is not "Required" set to OFF in the properties.  The form will not let you submit it unless that payment section is filled.  How can I fix that so they can submit the form without paying?

It is because once your Payment Integration's "Total Payment" contains a value (not 0)it will automatically ask for the user's credit card.

You can add a Single Option form element to let the user choose wether to pay online or via check. You can use "Purchase Order" Payment Integration so the user can submit without paying.

Here is the guide on how to setup a Multiple Payment form https://www.jotform.com/help/182-How-to-Create-a-Basic-Multiple-Payment-Form

Let us know if you need further help.