Redeem points on total value

Hello guys, is there a way to allow a user to redeem their points and not have to settle a balance if they have enough points?.

For example, a user has 100 points worth ￡10, they buy something at ￡6.99 but the way the discount is working it’s only applying a discount of, say, ￡6.90 which means they have to pay ￡0.09p. Can’t this be applied to simply take, say, ￡7 and deduct 70 points
Cheers
Marko