The difference between the total and available balance of your account indicates that there are one or more frozen amounts. Any freezing of amounts may be due to:
Transfer orders not yet completed.
Card purchases that have not yet been acquired.
Amounts from acquired sales transactions that part of them remain frozen for a certain period. *
Sales transactions that have been disputed by the cardholder and are under investigation.
To verify that you have a specific acquiring type:
Log in to your viva.com account.
Select from the menu Settings and Profile.
The SETTLEMENT SPEED field will show how the acquiring type.
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Total Balance: This is the total amount in the account, including all transactions (deposits, withdrawals, etc.), regardless of whether they have been fully processed.
Available Balance: This is the amount you can use immediately, after taking into account any amounts held (e.g., for pending transactions or withdrawals).