save directive allows you to specify a minimum balance for an account, which will be deduced from the account available balance for the transaction.
@merchants:1234 has an initial balance of [USD/2 500], the transaction will fail as the account post-transaction balance would otherwise be less than [USD/2 100].
Should additional source of funds is provided, the account will act as if its balance is [USD/2 100] less than it actually is: