You don't "have" to...you're choosing to.
And you're also choosing to make it more difficult for customers to do business with you.
You're adding friction.
And ultimately, you're losing customers...even if you don't know it.
You're stepping over dollars to pick up nickels.
Do you charge fees for all of your other expenses? No...it's the cost of doing business.
Stop looking cheap. Start acting like a real business.