You need to simply add funds to your OKTO account.
When you load funds into your OKTO account via credit/debit card*, you have the option to select whether you want to use that money for gaming or non-gaming purposes. Money added to the non-gaming section cannot be used for any kind of betting/gambling activities, rather it can be used only for other retail transactions P2P transactions and split bill. Money added to the gaming section can be used for both gaming and non-gaming retail transactions.

*Where applicable