on the item and when you win OKShon pays the seller using the money in your account. There is a ratio which allows you to bid more than what you actually have in your account. The amount available to you is always displayed on the OKShon main page or you can go to your account to see the amounts. If you win an item that falls into your allowed bidding range but you do not actually have that amount in your account OKShon will email you the amount owed and then you make another deposit into your account to make up for the difference. OKShon trust you to pay the remaining amount owed.