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Yes, you're right.  It does say "$40 Refund Processing Fee".  I didn't realize that they have a variety of fees.

 

So are you saying that I can pay $20 by credit card, or reduce my refund by $40?

 

I was going to pay by credit card anyway, but I haven't yet been asked to choose how to pay.

 

I'm at the point where it's asking for billing address.  Let me go further and see what happens...

 

I input my address and credit card, and it charged me $20 plus sales tax.

 

I don't know why it would mention $40 and then charge me $20, without even asking me to decide which way I wanted to pay the fee.  Very confusing...

 

Thanks for your help!