can i choose not to have paypal as payment option?

Hello,

Thank you for contacting us.

In order to change the payment method you can go to https://support.jotform.com/myaccount/billing and click on Change Credit Card:

Guide: https://www.jotform.com/help/330-How-to-Change-Billing-Credit-Card.

If you need any further assistance, please let us know. We will be happy to help.