It is a cardinal sin refuse sex that you've already paid for. Granted, I'm guilty of committing such a sin just once but in my defense the woman was probably 65 years old...and even then I still feel guilty about it.
But I like this OP. He sounds like he's probably a virgin but at least he's dipping his toe in. . He reminds me of my cousin and actually a good friend of mine. After high school, pretty much all of my buddies became regulars at the Korean massage parlors downtown and there was just that one guy in our group, timid little fucker, who flat out refused to go with the rest of the guys. Had no girlfriend, had enough money, had no excuse...but still refused to go. Finally, one night, another buddy picks this guy up, they have a few drinks and then head over to one of the really good parlors. Timid fucker has no idea where he's being led until he's in past the security door and into the main parlor where all the girls wait...and in those days, the Korean girls coming over were young and GORGEOUS. Buddy pays the fucker's fee, points to the hottest girl there, girl comes up and grabs the timid fucker and starts leading him to the back. Buddy looks at him and says: "Happy Birthday, Dickhead. Get it done or you're walking home."
Needless to say, an hour later when the girl brings him back out into the main parlor, timid asshole is glowing like Hiroshima in '45 and grinning so hard his fucking jaw's about to break. And today, the guy's happily married with three kids. I like to think we made that happen.
OP, seriously...there is no good reason on earth to pay for a girl's time and waste that fucking time holding her hand and talking about your bottle cap collection. If you haven't punched your V-card yet and you're worried about the girl being judgmental, there are a number of phenomenal indy providers that frequent here, post here and advertise here who would not only be completely understanding but are perfectly happy to do all that gay coffee shop hand-holding bullshit with you and then whisk you off to a love hotel and show you what life has so far deprived you of, and it WILL be worth your time and money.
When you're 85 years old and your cock is so wrinkled it's now inverted, it'll be the things you DIDN'T do in life that haunt you.
Act now and make sure that list is as short as possible.