> Are you even required to pay that?

One sad part of the situation is that even if you aren't required to do something, it can result in you being completely banned from said business's services under the idea that they can refuse service to someone for any reason. With the business model nowadays mostly being franchises, a ban from an entire subset of businesses can be a substantial burden for someone, especially if the business takes up a large part of the market.

Edit: Not to say this will necessarily happen in this circumstance, but it is a very real possibility when refusing to work with certain businesses.