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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You users will be able to submit your payment form, if payment field is not required and if non of products are selected. So if total amount inside of payment field is zero your users will be redirected to thank you page and you will receive email Notification.
Inside of this articles you can find out more about payment tools and how to set payment form:
Hope this will help. Let us know if you need further assistance.