Example: We have 3 groups: Group 1 Group 2 Group 3
There are 2 types of services: Service A Service B
3% of group 1 can't use Service A 14% of group 2 can't use Service A 13% of group 3 can't use Service A
Does Service A racially discriminate against any of these group? No, it does not. It just can't accepts business from people who use Service A. So people who can't or won't use Service A have to go to another business that does accept Service B.
But okay let's play pretend. Let's say it is discrimination then it's only potentally more effective against certain groups by 10%. I say potentially because how many in this group would go to a this specific chain? probably less then that 10%. I'd wager the actual percentage affected falls in the area of margin of error. AKA sucks to be you but it's a free country so cross the street to somewhere they do accept your cash.