Andy and I were having a conversation with a group that we are working with on a new project. When discussing integration to our API, transactional sets and fields within them. One of them asked the following question:
In the Balance Response message that you send us, can you tell me the difference between the “AvailableBalance” field and the “CurrentBalance” field?
Current balance is the real, financial balance.
Available balance is the current balance minus any holds.
On the open loop side…
An auth does a hold - it affects only available.
A completion releases the hold and decrements both the available and current by the final transaction amount.