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You don't have to pay the bar to get into the beach. You just can't use their facilities but if you don't need umbrellas or chairs, you can definitely enjoy the beach without paying.
Because of the volcano, the sand is not white. it's rather coarse and dark. The beach is absolutely beautiful for snorkeling. Reefs are easy to find and snorkeling is safe. Definitely recommend you to take your snorkeling gear. There are no boardwalk but there is a station to was the sand off your feet. Taxi is always available to take you to where you need to go - about $16 one way to the port, or to the beach.