How to pass the calculated amount to the form payment tool

I cannot find a payment type that can do this with a product list and not a donation field.

If I understand your question correctly, you are trying to get the amount of payment from calculation field to payment tool.

At that situation, you can uncheck the This is a donation. We are a non-profit organization. option and change the description as you see below:

Please, kindly check the guides that I've provided you. If you have any question or issues, please let us know.