Struggling with Forms calculation

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We are developing a complex wordpress application that verifies OTP phone, then based on form information provided, the form calculates total prices based on age based on complex formulas.

* Extensively used IF/AND/OR condition
* Create Invoice and pass to payment

We tried several plugins and each has its own disadvantages. We are looking for free plugin.

1.Forminator – Nice plugin, but does not support IF and AND on formulas (logical only)
2. Wp forms – Too expensive, paid addon does not support AND (supports IF)
3. CFF forms – Free, Very good meets calculation requirements, we dont does not support OTP verification of phone (we use miniorange).

We also tried developing our own WP custom plugin using php, but OTP verification does not work on custom made forms. For the past 3 weeks we are struggling with this in figuring out what to use.

Any help or suggestions welcome.

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