Fees are charged once, when the IRS processes your return and has approved your refund.
When you sign up for Pay With My Refund, your refund will be handled through the Santa Barbara Tax Products Group (SBTPG, formerly SBBT). Once your refund has been approved by the IRS, it will be sent to SBTPG, they will remove the fees and then send the remainder to you.
You can go to the Santa Barbara Tax Products Group website if you need assistance with your refund.
What is Refund Processing Service?
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