is there a way to test a form with payment without charging a credit card?

Hello,

Yes, you can make a test on payment forms by switching it from Sandbox or Test mode. However, the methods to test a payment form is based on the payment gateway or integration you are using. I have checked one of the recently edited forms on your list and I can see that you are using the Square payment method.

You can switch the Square in Test Mode from Live mode:

Then you can use the following test card credentials from Square https://developer.squareup.com/docs/testing/test-values.

I hope this helps. Let us know if you need additional assistance.