What is your recommendation for people who want to use a card for payment

Also, the payment element does not seem to be working. What is your recommendation for people who want to use a credit card for payment?

Most of our Payment Processors should work for this requirement. My recommendations would be Stripe, Authorize.net, and Square.

Here's a complete list of all payment processors we integrate with: https://apps.jotform.com/category/payment_processing

In case you're not sure which one will work for you, I recommend reading this article: Which-Payment-Processor-is-Right-for-Your-Business