If you pay by cc (not have it deducted from your return), you don't incur additional taxes as well as not having to pay the 'refund processing fee'.
Certainly misleading when 'efile for free' is advertised all over the place, and then getting hit with a 'fee' for them to process the $45 'security audit defense' as well as purchasing the 'deluxe' version (as I needed to).
Hope that helps!
