You could use the Add Limit Payment Processor along with {REMAINING TOTAL} for the max amount. That will stop you being able to settle more than the total due for the specific payment type.
Or if you would rather stop there being change on the transaction and instead log that change amount into an account, you could follow this for credit card tips (the first shows how to do the account and second how to get the confirmation working properly in V5).
In your case, you could just skip the confirmation and put the “change” into the “CC Tip” account (rename as you wish). Then, you probably don’t want it showing to the customer, so you just hide the “CC Tip” discount on the receipt like this:
[DISCOUNTS:CC Tip]
-- Nothing will print for CC Tip