diff --git a/localenv/cloud-nine-wallet/docker-compose.yml b/localenv/cloud-nine-wallet/docker-compose.yml
index dd3e66e7e9..64f82dfcdf 100644
--- a/localenv/cloud-nine-wallet/docker-compose.yml
+++ b/localenv/cloud-nine-wallet/docker-compose.yml
@@ -156,6 +156,7 @@ services:
       KEY_ID: 7097F83B-CB84-469E-96C6-2141C72E22C0
       OPERATOR_TENANT_ID: 438fa74a-fa7d-4317-9ced-dde32ece1787
       CARD_SERVICE_URL: 'http://cloud-nine-wallet-card-service:3007'
+      CARD_WEBHOOK_SERVICE_URL: 'http://cloud-nine-wallet-card-service:3007/payment-event'
     depends_on:
       - shared-database
       - shared-redis
diff --git a/packages/backend/src/open_payments/payment/outgoing/service.ts b/packages/backend/src/open_payments/payment/outgoing/service.ts
index ecaf61c125..7d3f9ce6e9 100644
--- a/packages/backend/src/open_payments/payment/outgoing/service.ts
+++ b/packages/backend/src/open_payments/payment/outgoing/service.ts
@@ -264,7 +264,7 @@ async function cancelOutgoingPayment(
             : {})
         }
       })
-      .withGraphFetched('quote')
+      .withGraphFetched('[quote, cardDetails]')
     const asset = await deps.assetService.get(payment.quote.assetId)
     if (asset) payment.quote.asset = asset
 
@@ -719,7 +719,7 @@ async function fundPayment(
         tenantId
       })
       .forUpdate()
-      .withGraphFetched('quote')
+      .withGraphFetched('[quote, cardDetails]')
     if (!payment) return FundingError.UnknownPayment
 
     const asset = await deps.assetService.get(payment.quote.assetId)
diff --git a/packages/card-service/src/app.ts b/packages/card-service/src/app.ts
index 402fc09ab4..72740a6fb6 100644
--- a/packages/card-service/src/app.ts
+++ b/packages/card-service/src/app.ts
@@ -9,10 +9,12 @@ import cors from '@koa/cors'
 import { createValidatorMiddleware, HttpMethod } from '@interledger/openapi'
 import { PaymentContext } from './payment/types'
 import { PaymentEventContext } from './payment/types'
+import { PaymentRoutes } from './payment/routes'
 
 export interface AppServices {
   logger: Promise<Logger>
   config: Promise<IAppConfig>
+  paymentRoutes: Promise<PaymentRoutes>
 }
 
 export type AppContainer = IocContract<AppServices>
diff --git a/packages/point-of-sale/src/card-service-client/client.test.ts b/packages/point-of-sale/src/card-service-client/client.test.ts
index 60900c72d0..cfcfb2dc05 100644
--- a/packages/point-of-sale/src/card-service-client/client.test.ts
+++ b/packages/point-of-sale/src/card-service-client/client.test.ts
@@ -28,9 +28,9 @@ describe('CardServiceClient', () => {
     expect(nock.isDone()).toBeTruthy()
   })
 
-  const createPaymentResponse = (result?: Result): PaymentResponse => ({
+  const createPaymentResponse = (resultCode?: Result): PaymentResponse => ({
     requestId: 'requestId',
-    result: result ?? Result.APPROVED
+    result: { code: resultCode || Result.APPROVED }
   })
 
   const options: SendPaymentArgs = {
@@ -46,20 +46,15 @@ describe('CardServiceClient', () => {
     }
   }
 
-  describe('returns the result', () => {
-    it.each`
-      result                      | code
-      ${Result.APPROVED}          | ${HttpStatusCode.Ok}
-      ${Result.CARD_EXPIRED}      | ${HttpStatusCode.Unauthorized}
-      ${Result.INVALID_SIGNATURE} | ${HttpStatusCode.Unauthorized}
-    `('when the result is $result', async (response) => {
-      nock(CARD_SERVICE_URL)
-        .post('/payment')
-        .reply(response.code, createPaymentResponse(response.result))
-      expect(await client.sendPayment(CARD_SERVICE_URL, options)).toBe(
-        response.result
-      )
-    })
+  test('returns the result', async () => {
+    const resultCode = Result.APPROVED
+    nock(CARD_SERVICE_URL)
+      .post('/payment')
+      .reply(201, createPaymentResponse(resultCode))
+
+    await expect(client.sendPayment(CARD_SERVICE_URL, options)).resolves.toBe(
+      resultCode
+    )
   })
 
   test('throws when there is no payload data', async () => {
diff --git a/packages/point-of-sale/src/card-service-client/client.ts b/packages/point-of-sale/src/card-service-client/client.ts
index 1073f473fb..1308b44564 100644
--- a/packages/point-of-sale/src/card-service-client/client.ts
+++ b/packages/point-of-sale/src/card-service-client/client.ts
@@ -37,13 +37,14 @@ interface ServiceDependencies extends BaseService {
 
 export enum Result {
   APPROVED = 'approved',
-  CARD_EXPIRED = 'card_expired',
   INVALID_SIGNATURE = 'invalid_signature'
 }
 
 export type PaymentResponse = {
   requestId: string
-  result: Result
+  result: {
+    code: Result
+  }
 }
 
 // eslint-disable-next-line @typescript-eslint/no-explicit-any, @typescript-eslint/explicit-module-boundary-types
@@ -97,14 +98,14 @@ async function sendPayment(
         HttpStatusCode.NotFound
       )
     }
-    return payment.result
+    return payment.result.code
   } catch (error) {
     deps.logger.debug(error)
     if (error instanceof CardServiceClientError) throw error
 
     if (error instanceof AxiosError) {
       if (isPaymentResponse(error.response?.data)) {
-        return error.response.data.result
+        return error.response.data.result.code
       }
       throw new CardServiceClientError(
         error.response?.data ?? 'Unknown Axios error',
diff --git a/packages/point-of-sale/src/payments/routes.test.ts b/packages/point-of-sale/src/payments/routes.test.ts
index 9a7ef52f76..dc916ee766 100644
--- a/packages/point-of-sale/src/payments/routes.test.ts
+++ b/packages/point-of-sale/src/payments/routes.test.ts
@@ -69,18 +69,6 @@ describe('Payment Routes', () => {
       expect(webhookWaitMap.get('incoming-payment-url')).toBeUndefined()
     })
 
-    test('returns 401 with result card_expired or invalid_signature', async () => {
-      const ctx = createPaymentContext()
-      mockPaymentService()
-      jest
-        .spyOn(cardServiceClient, 'sendPayment')
-        .mockResolvedValueOnce(Result.CARD_EXPIRED)
-
-      await paymentRoutes.payment(ctx)
-      expect(ctx.response.body).toBe(Result.CARD_EXPIRED)
-      expect(ctx.status).toBe(401)
-    })
-
     test('returns cardService error code when thrown', async () => {
       const ctx = createPaymentContext()
       mockPaymentService()