After you file

"So you had the NJ state efile fee deducted from your refund for which there is a Extra $40 Refund Processing Service charge.  To opt out and pay it with a credit card you would have needed to go back through the File tab and change to pay by credit card ."

 

$42.65 (turbotax desktop basic) +  the second payment for $31.99 (deluxe upgrade, inc 1 free state) = $74.64

 

and the third payment was  on that final page for $47.98 (2nd state, new jersey) (where i opted to pay for it with credit card) <------- is this not the NJ state efile fee?.  if it is not, then what is this fee that turbo tax charges??? I would assume that if i paid this fee with my credit card that it would not be deducted from my refund.