How do I make the option that someone could pay later (by cheque or in person)?

this is the form: https://www.jotform.com/build/210624318863253

The options available to meet your requirements can be found in the following guides.

Using just a single form:

How-to-set-up-PayPal-along-with-other-payment-options

Using multiple forms:

How-to-create-a-basic-multiple-payment-form

Kindly check both methods to see which one will best suit your needs.

Feel free to let us know if you need any further assistance.