What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
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I believe John that you are looking to see if you can receive the payments on your jotform or not made by credit cards.
This - you can do.
We have Authorize.net, Stripe and PayPal Pro (to name a few) payment processors that will allow you to do this.
The only thing that I will suggest is to register for a free account as soon as you can so that you can always log in and have all of your forms in one place. Otherwise (since you are using guest account) your forms are shown to you based on your cookie).
It will also allow you to upgrade without any issues, if you decide to do so at a later point.
You can see more about the payment processing tools here:
Of course, we are here if needed at any point :)