How to submit a form without payment?

I believe you are trying to setup a multi payment form where users can choose whether they want to pay using Credit Card or other payment option.

If so, please refer to our guide here https://www.jotform.com/help/182-How-to-Create-a-Basic-Multiple-Payment-Form and see if that is what you are looking for. If not, please further clarify to us what you are trying to achieve on your form.

Looking forward for your response.