Can I use payment integraions on free accounts?

Is there away where I can add a payment without updagrading?

Yes, you can add the payment integration without upgrading your account, this guide will help you with that: https://www.jotform.com/help/323-Mastering-Payment-Form-Integrations-with-JotForm 

However, note that each plan has a limit on the number of payments that you can receive in a month, you will find the limits per plan on our pricing page: https://www.jotform.com/pricing 

This guide will help you understanding your account limits and usage: https://www.jotform.com/help/408-Understanding-Your-Account-Usage-and-Limits 

I hope this helps.