The form builder says that I already have a payment field in the form

i have not been able to even start my first form setup because form builder says that i already have a payment option which must be deleted before choosing one but i never chose one in the first place - so i deleted that form and started another and have the same issue - but in the meantime i have now apparently used up 2 of my 5 forms and yeti have nothing to show for it. what do i have to do?

You seem to be using a form from the template gallery. You actually have Paypal in the form. It's the field that is labeled "Products":

You can simply edit this payment integration or remove it to start a new.

As for the form, you can delete the other and purged it from the trash to free up the limit.