Why can't they take the money out of my tax return

[DoninGA]

The pay with refund option will not be available if the forms and schedules in your tax return have not been finalized for e-filing.  Click on the Review tab to see the dates when they are available.

[VolvoGirl]

And your refund has to be big enough to cover the fees plus the 39.99 Refund Processing Service charge (44.99 in California) .  And it looks like you added the Live feature which is a higher cost.

How to see the fees

https://ttlc.intuit.com/community/charges-and-fees/help/how-do-i-review-my-fees-in-turbotax-online/0...