Do you know that more than half of online orders were abandoned without ever being completed? If your goal is somewhere in between generating leads and accepting payment, it is always a good idea to make payment optional. Zapof Forms allow you to enable conditional payment for your forms.
Provide a checkbox for the respondents to indicate whether they want to submit with or without the payment. You can also use formula or conditional logic for the form to automatically determines whether payment is required. E.g., you can set a conditional logic that only requires payment if premium products or services are selected.