JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you’d like help immediately, feel free to search for a similar question, or submit your question or concern.
Unfortunately, you cannot use Authorize.net payment without providing a credit card, since it is using credit cards to process payments.
If you want to make payments without providing credit cards you can use Paypal integration. Paypal integration will allow your users to make a choice if they want to make a payment with a credit card or via their Paypal account.