When you create a Fx server is it meant for development and testing resources or people can join and play with you without paying for a zap hosted server
I assume you mean if you are hosting a server on your own machine. Without port forwarding I don’t believe others can play on a locally hosted server, and if you plan on making your server public I wouldn’t suggest doing that just for your own security reasons, among others.
A hosting service like ZapHosting or another service would most likely be best for security and uptime, if you’re looking to make a public server for random players to play on.
For info on allowing other people to join your local FiveM server you can watch this video I found on YouTube, for more information on how to do that! 
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thanks for the help