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6 best free form builders with payments in 2026

By the Makeform editorial team · Last updated November 7, 2026 · Pricing verified November 2026

Short answer: Makeform is our top pick for one-time Stripe payments with no added form-builder fee; Fillout is the better choice for recurring payments, and Jotform offers more gateway options.

This ranking separates a free form plan from payment processing costs and checks payment-specific submission limits. Competitor features and prices are as of November 2026. Makeform is a free AI form builder: describe what you want to collect and it builds the form for you, with unlimited forms and submissions on the free plan.

Comparison table

Paid starting prices use annual billing unless marked otherwise; processor fees apply separately from any fee charged by the form builder.

Tool Free plan Free limit that matters Payment fee on free Paid from Best for
Makeform Yes Unlimited submissions within fair use; one-time payments only No Makeform fee; Stripe fees apply $19/month annually Dynamic one-time Stripe payments
Tally Yes Unlimited submissions within fair use; no recurring payments No added Tally fee; Stripe fees apply $24/month annually Simple one-time card payments
Fillout Yes 1,000 responses/month No Fillout fee; Stripe fees apply $15/month annually Recurring payments
Jotform Starter 10 payment submissions/month; 5 active forms No added Jotform transaction fee; processor fees apply $34/month annually PayPal, Square and other gateways
Paperform Free forever 30 submissions/month No Paperform transaction fee; processor fees apply $49/month annually Small AI payment workflows
Cognito Forms Individual 100 entries/month; 1 user 2% added fee plus processor fees $24/month, billed monthly Small payment forms within stated limits

How we picked

  • Whether payment collection is included on the ongoing free plan.
  • Form-builder fees separately from payment processor fees.
  • Payment-specific caps and overall submission allowances.
  • Support for one-time payments, subscriptions and gateway choices.
  • Dynamic amounts and practical limits on payment workflows.

Makeform publishes this page, so we list our own limits and link every source.

1. Makeform: best for dynamic one-time Stripe payments

Makeform includes Stripe payments on every plan and charges no payment fee of its own. It ranks first for one-time collection with unlimited submissions within fair use, dynamic amounts and support for 26 currencies.

Free plan: Unlimited forms, questions and submissions within fair-use guidelines; Stripe payments are free to use, with standard Stripe processing fees.

Paid from: Pro is $29/month monthly or $19/month billed yearly ($228/year).

Good:

  • Cards, Apple Pay and Google Pay when available on the respondent's device or browser.
  • Fixed amounts or dynamic amounts calculated from other fields, such as quantity × price.
  • Donation amounts with a minimum, plus Stripe receipts sent to the address the respondent enters.

Watch out:

  • One-time payments only; no recurring payments or subscriptions.
  • You must connect a Stripe account first; refunds are handled in the Stripe dashboard.
  • Removing Makeform branding, using a custom domain and collaborating require Pro.

Start a draft without an account at Create a form with AI; saving and publishing require a free account. Standard Stripe fees still apply, such as 2.9% + $0.30 per successful US card charge. See Payment for setup.

2. Tally: best for simple one-time card payments

As of November 2026, Tally includes a Stripe payment block on Free without adding fees on top of Stripe's pricing. Its unlimited forms and submissions within fair use make it a close alternative for one-time credit-card payments.

Free plan: Unlimited forms and submissions within fair-use guidelines; Stripe payment collection is included.

Paid from: Pro is $29/month monthly or $24/month billed yearly.

Good:

  • No added Tally fee on top of Stripe processing fees.
  • Free conditional logic, calculations and signatures.
  • Free AI creation from a prompt, screenshot or PDF, plus Ask AI edits.

Watch out:

  • Recurring payments are not supported.
  • Tally branding remains on Free; Pro removes it.
  • Respondent email notifications require Pro; self email notifications are free.

Read Makeform vs Tally.

3. Fillout: best for recurring payments

As of November 2026, Fillout includes Stripe-powered payment pages on every plan and supports subscriptions as a payment type. It is a better choice than Makeform or Tally when you need recurring payments.

Free plan: 1,000 responses/month, unlimited forms and seats, and payment pages with no added Fillout fee; Stripe fees apply.

Paid from: Starter is $15/month billed annually ($180/year), with 2,000 responses/month.

Good:

  • Subscription payments are supported.
  • Free scheduling, calculations, logic and resume-in-progress forms.
  • Unlimited free seats, while Makeform collaboration requires Pro.

Watch out:

  • Free forms share a 1,000-response monthly allowance.
  • Removing all branding requires Pro at $40/month billed annually.
  • Unlimited responses and a custom domain require Business at $75/month billed annually.

Read Makeform vs Fillout.

4. Jotform: best for PayPal, Square and other gateways

As of November 2026, Jotform connects to 30+ payment gateways, including PayPal, Square and Stripe, and says it charges no additional transaction fees. It is the stronger option for gateway choice and supports subscriptions, memberships and monthly donations.

Free plan: Starter includes 5 active forms, 100 submissions/month and 10 payment submissions/month, with Jotform branding.

Paid from: Bronze is $39/month monthly or $34/month billed annually ($408/year), with 100 payment submissions/month and branding removal.

Good:

  • Gateway options beyond Stripe, including PayPal and Square.
  • Subscriptions, memberships and monthly donations.
  • Free AI Form Generator with chat refinement and an advertised 150+ integrations.

Watch out:

  • Only 10 payment submissions/month are included on Free.
  • Starter also limits forms to 100 fields, with 10,000 form views/month and 100 MB upload space.
  • No added Jotform transaction fee does not remove processor fees.

Read Makeform vs Jotform.

5. Paperform: best for small AI payment workflows

As of November 2026, Paperform includes payments, AI form creation and its AI workflow builder on Free. It charges no transaction fees and takes no cut of sales, though its 30-submission monthly allowance suits only small collection needs.

Free plan: 30 submissions/month, 100 MB upload storage, payments and a Paperform badge that cannot be turned off.

Paid from: Pro is $59/month monthly or $49/month billed annually.

Good:

  • Payments are included on the free forever plan.
  • AI form creation and AI workflow building are also included.
  • No Paperform transaction fee or cut of sales.

Watch out:

  • Processor fees still apply.
  • Free collection is limited to 30 submissions/month.
  • The free Paperform badge cannot be turned off.

Read Makeform vs Paperform.

6. Cognito Forms: best for small payment forms within stated limits

As of November 2026, Cognito Forms includes payments on its free Individual plan, with unlimited forms and 100 entries/month. It ranks last here because it adds a 2% payment fee on that plan, on top of processor fees.

Free plan: Unlimited forms, 100 entries/month, 1 user, 100 MB storage and Cognito Forms branding.

Paid from: Pro is $24/month billed monthly; its added payment fee is 1%.

Good:

  • Payment collection is available on the free plan.
  • Unlimited forms within the 100-entry monthly allowance.
  • Team and Enterprise have no added Cognito Forms payment fee.

Watch out:

  • Individual adds 2% of the payment amount to processor fees.
  • Pro still adds 1%; paying for the entry tier does not remove the fee.
  • Individual is limited to one user and retains Cognito Forms branding.

Which one should you pick?

  • If you need dynamic one-time Stripe payments with no added form-builder fee, pick Makeform.
  • If you need simple one-time card payments and AI that can read PDFs, pick Tally.
  • If you need recurring Stripe payments within 1,000 responses/month, pick Fillout.
  • If you need PayPal, Square or subscriptions across more gateway choices, pick Jotform and check the payment-submission cap.
  • If you want AI workflow building within a small monthly allowance, pick Paperform.
  • If Cognito Forms' Individual limits fit and you accept the added 2% fee, pick Cognito Forms.

FAQ

Does a free payment form mean there are no fees?

No. Makeform, Tally, Fillout, Jotform and Paperform add no payment transaction fee of their own, but processor fees apply. As of November 2026, Cognito Forms adds 2% on Individual and 1% on Pro on top of processor fees.

Which free form builder supports recurring payments?

As of November 2026, Fillout supports subscriptions through its Stripe-powered payment pages, and Jotform supports subscriptions, memberships and monthly donations. Makeform and Tally support one-time payments only.

Can Makeform calculate a payment amount or accept wallet payments?

Yes. Amounts can be fixed or calculated from other fields, and donations can have a minimum amount. Makeform supports cards, Apple Pay and Google Pay when available on the respondent's device or browser, across 26 currencies.

Do Google Forms and Typeform include free payment questions?

As of November 2026, Typeform payment questions are paid-only. The cited Google Forms pages describe no built-in payment question.

How do receipts and refunds work in Makeform?

Connect a Stripe account before collecting payments. Stripe can email a receipt to the address the respondent enters, and refunds are handled in the Stripe dashboard.

More comparisons

Sources

Pricing verified November 2026.