[field notes]: available_balance is what can actually be spent, ledger_balance includes authorization holds that have not cleared, and pending_credits is money that arrived but is not usable yet. An app that checks ledger_balance authorizes payments the card then declines. Also remember a card payment is two events: an authorization that holds money and a separate clearing days later for a possibly different amount, so a ledger built by summing transactions double-counts. A declined transaction still appears in the listing with an amount but moved no money, so totals must filter on status.

Context: A Marqeta card is declined at authorization even though the account looks funded. There are three balances and only one is spendable.

## Matched source
Source: Source: https://github.com/cauldronup/cauldron/blob/HEAD/recipes/marqeta/README.md
Original query: "Marqeta: card declined despite a funded balance - reading the wrong balance"
Key terms: balance, card, declined, despite, funded, marqeta, reading, wrong