The Total Balance shows only the payments that have fully settled and are officially recorded in your card wallet. It reflects the amount based on the payments that have been settled with each merchant. It does not include pending card authorizations.
The Available Balance, on the other hand, includes pending card authorizations that temporarily reduce your spendable funds. It represents what you can use right now.
Example: If your Total Balance is $1,000 and you make a $200 card payment that’s still pending, your Available Balance will already show $800, while your Total Balance will only update to $800 once the payment is settled.