How can I test a form in real time that includes taking a payment without have to pay?

Thank you for contacting us.

Let me please inform you, that the form payment tools support their native Sandbox modes. In other words, each major Payment tool can be turned into a Sandbox test mode.

We have a guide about Authorize.net testing here:

How to Test Authorize.net Payment Tool on Sandbox Mode

If you have questions about some particular Payment Tool, please open a new thread. We will do our best to help.