How long before my form will accept and process credit cards?

I have checked your form and it seems you're using the PayPal Checkout Integration.

You may be able to use your form right away after successfully integrating your form with PayPal.

You may also test your form to make sure it receives payments correctly.

Kindly check this guide:https://www.jotform.com/help/390-How-to-Test-your-PayPal-Payment-Form