We just did our first payment form and in my logic I was finally able to create two entries, Go To Payment Page if... and Go To Submission Page If... Here's how I got there:
1) Create a new form. (We did not check the box to Show Review Page)
2) Set up and enable payment option.
3) Create a 2nd page to my form. This page is never actually displayed - you just need it get the Payment and Success pages to show up under the Rules to Skip Pages logic. (mine just has a section break that states: Payment Total.)
4) Disable the Pagination Header (don't need it since the Page 2 I created will never be displayed)
5) Enable Rules to Skip Pages. With the 2nd page created, you now have options to go to Page 1, Page 2, OR Payment Page OR Success Page.
6) Set up logic to go to Payment Page if "pay by cc" is selected or go to "Success page" if "pay by check" is selected. (these options were for our form)
7) THEN set up custom custom notifications that go along with those logic options to let "pay by check" people know what where to send a check and let the processing people know to look for a check. The regular notification goes to credit card people once payment is made.
In your scenario, you could create your own review page using merge tags in a Section Break Field. And then also include a check box or multiple choice (Yes/No) to "accept the info" or "agree to terms" or whatever.
Because you have added the second page, you can use the Skip Page logic to show the payment page or a success page or halt the progress of the form all together..
If you use a single check box to ask for payment acceptance, making it required could prevent users from moving to any success page without first paying.
With multiple choice, you could phrase the options in a way that would facilitate using merge tags in the Success Page and/or notifications to convey payment status.
I think it might be a small bug in the program that you are not shown the Payment and Success pages once payment options are enabled under the Skip Pages rules...
Hope this helps!