It seems the software was not up to date with respect to the fact that the deadline was _not_ April 15 anymore (due to COVID on 2020). At some point of the process the software alerted me something similar to the following: "According to the data you've given us so far, it seems you will have to pay a penalty to IRS. You may want to compute an estimation now or let IRS compute the penalty later and mail it to you".
I am on my fourth attempt to e-file never had this issue before, plus they did not patch the program for a 7/15/2020 due date so I had to pay for an extension to file electronically. Plus it dropped data from my imported documents