Unable to E-File New York

All seemingly went well, selecting to apply my overpayments to my next year estimated *if* I select scheduled estimated payments.  but if i select not to schedule estimated  payments it only takes a partial amount of the refund to apply for estimated payments (perhaps only a quarter of the refund?).  

more strangely, if i select to schedule estimated payments for NY, when trying to efile it prompts how to make those payments, and if i choose 'pay later on the new york state site' it refuses to allow me to advance and e-file. 

i can't help but feel this is yet another turbotax scheme to get me to use their payment system.

is there any work around or is  it tome for me to return to H&R software?

Thank you!