The "Pay With My Refund" option is available only if a user has a large enough federal refund to cover the TurboTax fees. This is the way TurboTax has set up to be paid their fees. TurboTax fees can only be deducted from the federal refund, and there is a fee associated with this service.
Can I pay with my refund?
*** I am NOT a tax expert. I am a seasoned TurboTax user, and volunteer to provide assistance to TT users. Nothing I post is to be considered TAX ADVICE; I bear no legal liability for responses.***
