0, 'pay_amount' => $totalAmount, ]; } $availableBalance = $user->wallet?->available_balance ?? 0; if ($availableBalance >= $totalAmount) { return [ 'balance_amount' => $totalAmount, 'pay_amount' => 0, ]; } return [ 'balance_amount' => $availableBalance, 'pay_amount' => bcsub($totalAmount, $availableBalance, 2), ]; } }