Based on the figures you cited above, you cannot pay with your Federal refund. The refund has to be large enough to cover the product fee, any sales taxes (if applicable), and the service fee for that payment method.
That pay-out-of-refund payment method has a 39.99 service fee (44.99 for California filers.)
You would need to pay by credit/debit card or a prepaid debit card you can buy in a store.