The RPS is a Refund Processing Service fee charged when you choose to have your TurboTax fees taken out of your refund instead of paying them directly.
If you pay by credit card, you will not have to use the RPS feature, and thus will avoid the fee.
This is an old post but you were shown the fees on several screens before paying or filing. You had to agree to it. Here's a couple screen shots.
And here is how to remove it for anyone else that sees this post,
https://ttlc.intuit.com/questions/1900517-how-do-i-remove-the-39-99-refund-processing-fee
My frustration at the time was based on the fee being inserted much earlier in the process and i found it (as have others) counter intuitive to have to go back to the beginning of the process to uncheck that box which is (if I recall correctly) by default: checked.
I am also a user, and can tell you that the program does not default to the Refund Processing Fee.