How can I build a payment form?

I am not understanding. I don't need to accept stripe or any other "processing." just a form for clients to fill out there own credit card and submit it to us for processing.

Can jotforms do that?

To collect payments, you have to use any of our payment gateway like Stripe, Square, Paypal and etc. If you're going to collect credit card information for your own payment processing, that's not allowed. Collecting credit card information using regular textbox fields, not our payment integrations is a violation of our terms and conditions.

However, you can build your products without online payments but you are still not allowed to collect credit card information along with it regardless if it's used for legal purposes. Here's how to create a payment form without any payment gateway https://www.jotform.com/help/460-how-to-create-payment-form-with-purchase-order.