Difficulty paying with a wallet

hello
If the amount of the wallet is more than the price of the product, the customer can not pay with the wallet and will be connected to the bank portal.
For example, if we have $ 10 in the wallet and the amount of the product is $ 9, the money will not be deducted from the wallet at the time of purchase. And the user has to connect to the payment gateway to pay.
Unless the amount of the product is more than the amount in the wallet