Why are you charging $39.99 refund processing fee?

 Considering  that Turbo Tax software and electronic filing service is what customers pay for,  why are customers being charged an additional $39.99 "Refund Processing Fee" when the IRS and state tax agencies actually electronically deposit the refunds directly to the customer's account?  Why pay an additional "$40.00" for a service that's part of the normal processing by IRS and my state tax authority? Appears this is just a scheme to get additional payment from your customers.  Please provide a detailed explanation.  Thank you