Using payments on your form is not compatible with the Allow respondents to edit delivered submissions at a later time option from the Advanced section of your form. On-form payments (e.g. Authorize.net) will trigger the payment process again when the form user returns to edit the submission. If your payment gateway redirects users to another page to complete the payment (e.g. PayPal), all data will be updated (although not recommended).
In conclusion, users cannot edit submissions after payment without having to complete the payment again.