With payments on this form it forces the applicant to create a paypal account. Some dont want to do this. Are you able to help us?

I see that your form is integrated with PayPal standard integration which is required to login into PayPal account in order to complete the order. You may consider using other payment methods such as PayPal Pro, Stripe, etc to receive the payments using the credit cards.

https://www.jotform.com/blog/payment-processors/

Hope this information helps!