Fundraising IPN


Is there a way to set up Fundraising without using IPN.

I want to set the fundraiser to have a set goal, but it can both exceed the goal, and payments would be taken out immediately, not when the goal is reached.

I would also like for this Fundraiser to renew every month.

Any or All of this possible?
From the PDF i get the idea that the IPN has to be used no matter how the fundraiser is set up, is this Correct?