I would create a field below the checkboxes for amount owed. In that field, you can use a calculation to determine the amount owed based on each checkbox choice
=SUM(IF(Checkbox.choice_1,5,0),IF(Checkbox.choice_2,10,0),IF(Checkbox.choice_3,15,0))
This formula says take the sum of the following values: If choice 1 is checked, add 5. If choice 2 is checked, add 10. If choice 3 is checked, add 15. This field will update based on the checked choices and the value you assign to each of them.
When you select "Collect Payment" on the message start event or user task, you can use the variable of this new field to set payment amount.
(If you'd like, you can also set up a field rule to hide that field and Save data when it's hidden if you don't want it to show up on the form)