the 195$ is a service and tax fee, to which they add a 15$ processing fee so you really start your bid out at 210$ then whatever you bid is added to this each time you submit a bid
depending on the auction there may be different conditions, the per night auction will add 32$ per night to the actual bid and then add 15$ processing fee ( of course it depends how many nights you would take how much it would cost )
there are no other taxes involved but some resorts that you win may charge a resort fee ( but we have never encountered this in the 10 or so auction we have been involved with )
once you win an auction they will charge the credit card on file
within a few days you will either get an email attachment or are directed to a url where you print out your "certificate" ( this is for the week type auctions, not sure about any others, although i think if there are "physical" certificates eg from a HOTEL chain they will fed ex them to you )
if you have any other questions .....post....there are a number of people who have used skyauction sucessfully and are happy with the experience
from our end, we have always received good customer service when we have called the 800#