There is an extra $40 to have the fee deducted from your refund. So don't pick that! There may be a problem right now processing credit card in the Desktop program. Wait and try later.
Had to contact Turbo Tax Customer Service to resolve my problem. I was doing everything right but discovered Turbo Tax has issues and this was one of them. This, in my opinion, is the worst tax program Turbo Tax has ever had.
How to contact Turbo Tax
https://ttlc.intuit.com/community/using-turbotax/help/how-do-i-contact-turbotax/00/26991
What is the Turbo Tax phone number
https://ttlc.intuit.com/community/using-turbotax/help/what-is-the-turbotax-phone-number/00/25632