how do I pay the total balance of apple card

Please note that pending transactions will increase your balance, but cannot be paid off until the transactions have finished posting. If the transaction is cancelled, the amount will be removed from your balance.

You can pay off your balance excluding pending transactions by following the instructions on this support document: How to make Apple Card payments - Apple Support

You cannot pay more than your monthly balance on Apple Card Monthly Installments until your Apple Card balance is paid off, excluding pending transactions. You can learn more here: How to view and pay Apple Card Monthly Installments - Apple Support

If you’ve been paying interest on your account, you’ll have a small amount of residual interest (AKA Ghost Interest) the following month. Interest is calculated and compounded daily, not monthly, on revolving accounts. This is a standard banking practice.