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See this TurboTax support FAQ for removing the pay with refund fee - https://ttlc.intuit.com/turbotax-support/en-us/help-article/intuit-account-billing/remove-pay-refund...
Yes you can pay the fees with a credit card and avoid the Extra $40 Refund Processing Service charge (45 in California). How to remove the Pay from your Refund fee
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