Paying with your refund is only possible if you are getting a federal tax refund that will be enough to pay your TurboTax fees PLUS the additional "refund processing fee" of $39.99 ($44.99 in CA) to have a third party bank receive your refund from the IRS, remove your fees and send you the rest. If you are not getting a tax refund, that option is not available to you. You have to pay upfront using a credit card or debit card in order to file your return. You have to pay before you can e-file or print.