Yes, your tax return won't be e-filed until you go to the Submit Return for Processing screen at the very end after the Self-Select PIN screen and click the Send Tax Return button. Only the customer can do that. If you want to wait until later in the tax season to file your return and pay your taxes, you can do that. You can also file your tax return now, and wait to pay your tax amount due until April 15th. Just be sure to not forget to pay by the April 15th deadline or you will be subject to penalties and interest from the IRS. After you e-file your tax return, the Check Status/Print Tax Return screen will show all the options to pay your taxes due such as mail in a check with a 1040-V or pay by credit card.