This was very confusing to me. Because of the way that it was worded, it appeared that I had to pay $40 to get my federal refund. I thought I either had the $40 deducted from my refund or I pay $40 via credit card. Either way, I would have to pay $40. At first I thought I might as well just have it deducted from my refund and then I started digging some more. After quite a bit of time researching, I figured out that this "Refund Processing" fee had nothing to do with me getting a refund it was just a "convenience" fee. Since I am e-filing my state, I am charged $25 which I agreed to do. With this other screen it really wanted to know do I want to pay the $25 with a credit card or do I want to have $40 or $65 deducted from my federal return (I'm not sure which) to avoid having to use my credit card. I think it intentionally has made this confusing so that you will just bite the bullet and spend the extra money.
