diff --git a/Card/Event/Authorization.ts b/Card/Event/Authorization.ts
new file mode 100644
index 00000000..d6f8e372
--- /dev/null
+++ b/Card/Event/Authorization.ts
@@ -0,0 +1,24 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+import { Amount } from "../../Amount"
+
+export interface Authorization {
+	type: "authorization"
+	id: string
+	outcome: Authorization.Outcome
+	at: isoly.DateTime
+	amount: Amount
+	reason?: string
+}
+export namespace Authorization {
+	export const outcomes = ["created", "rejected", "cancelled"] as const
+	export type Outcome = typeof outcomes[number]
+	export const type = isly.object<Authorization>({
+		type: isly.string("authorization"),
+		id: isly.string(),
+		outcome: isly.string(outcomes),
+		at: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
+		amount: Amount.type,
+		reason: isly.string().optional(),
+	})
+}
diff --git a/Card/Event/Cancel.ts b/Card/Event/Cancel.ts
new file mode 100644
index 00000000..f1038dca
--- /dev/null
+++ b/Card/Event/Cancel.ts
@@ -0,0 +1,13 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+
+export interface Cancel {
+	type: "cancel"
+	at: isoly.DateTime
+}
+export namespace Cancel {
+	export const type = isly.object<Cancel>({
+		type: isly.string(),
+		at: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
+	})
+}
diff --git a/Card/Event/Change.ts b/Card/Event/Change.ts
new file mode 100644
index 00000000..6494f2ee
--- /dev/null
+++ b/Card/Event/Change.ts
@@ -0,0 +1,18 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+import { Changeable } from "../Changeable"
+
+export interface Change {
+	type: "change"
+	at: isoly.DateTime
+	from: Changeable
+	to: Changeable
+}
+export namespace Change {
+	export const type = isly.object<Change>({
+		type: isly.string("change"),
+		at: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
+		from: Changeable.type,
+		to: Changeable.type,
+	})
+}
diff --git a/Card/Event/Clearing.ts b/Card/Event/Clearing.ts
new file mode 100644
index 00000000..5769e395
--- /dev/null
+++ b/Card/Event/Clearing.ts
@@ -0,0 +1,25 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+
+export interface Clearing {
+	type: Clearing.Type
+	at: isoly.DateTime
+	currency: isoly.Currency
+	total: number
+	net: number
+	fee: number
+	charge?: number
+}
+export namespace Clearing {
+	export const types = ["capture", "refund"] as const
+	export type Type = typeof types[number]
+	export const type = isly.object<Clearing>({
+		type: isly.string<Type>(types),
+		at: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
+		currency: isly.string(),
+		total: isly.number(),
+		net: isly.number(),
+		fee: isly.number(),
+		charge: isly.number().optional(),
+	})
+}
diff --git a/Card/Event/Create.ts b/Card/Event/Create.ts
new file mode 100644
index 00000000..3e947d2c
--- /dev/null
+++ b/Card/Event/Create.ts
@@ -0,0 +1,16 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+import { Amount } from "../../Amount"
+
+export interface Create {
+	type: "create"
+	at: isoly.DateTime
+	limit: Amount
+}
+export namespace Create {
+	export const type = isly.object<Create>({
+		type: isly.string("create"),
+		at: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
+		limit: Amount.type,
+	})
+}
diff --git a/Card/Event/Index.spec.ts b/Card/Event/Index.spec.ts
new file mode 100644
index 00000000..76b589cd
--- /dev/null
+++ b/Card/Event/Index.spec.ts
@@ -0,0 +1,14 @@
+import { pax2pay } from "../../index"
+
+describe("Card.Event", () => {
+	const event: pax2pay.Card.Event = {
+		type: "authorization",
+		id: "19236hf",
+		outcome: "created",
+		created: "2023-12-13T12:11:00.000Z",
+		amount: ["UAH", 9999],
+	}
+	it("authorization", () => {
+		expect(pax2pay.Card.Event.type.is(event)).toBeTruthy()
+	})
+})
diff --git a/Card/Event/index.ts b/Card/Event/index.ts
new file mode 100644
index 00000000..f2d7813b
--- /dev/null
+++ b/Card/Event/index.ts
@@ -0,0 +1,43 @@
+import { isoly } from "isoly"
+import { isly } from "isly"
+import type { Authorization as ModelAuthorization } from "../../Authorization"
+import type { Entry } from "../../Settlement/Entry"
+import { Authorization as EventAuthorization } from "./Authorization"
+import { Cancel as EventCancel } from "./Cancel"
+import { Change as EventChange } from "./Change"
+import { Clearing as EventClearing } from "./Clearing"
+import { Create as EventCreate } from "./Create"
+
+export type Event = Event.Create | Event.Cancel | Event.Change | Event.Authorization | Event.Clearing
+
+export namespace Event {
+	export import Create = EventCreate
+	export import Cancel = EventCancel
+	export import Change = EventChange
+	export import Authorization = EventAuthorization
+	export import Clearing = EventClearing
+	export const type = isly.union<Event>(Create.type, Cancel.type, Change.type, Event.Authorization.type, Clearing.type)
+	export function fromAuthorization(authorization: ModelAuthorization): Event {
+		return {
+			type: "authorization",
+			id: authorization.id,
+			outcome: authorization.status != "approved" ? "rejected" : "created",
+			at: authorization.created,
+			reason: authorization.status == "approved" ? undefined : authorization.status,
+			amount: authorization.amount, // FIXME: we need the total transaction amount on auth
+		}
+	}
+	export function fromEntry(entry: Entry): Event | undefined {
+		return entry.type == "unknown" || entry.type == "cancel"
+			? undefined
+			: {
+					type: entry.type,
+					at: isoly.DateTime.now(),
+					currency: entry.amount[0],
+					net: entry.amount[1],
+					fee: entry.fee.other[entry.amount[0]] ?? 0,
+					total: isoly.Currency.add(entry.amount[0], entry.amount[1], entry.fee.other[entry.amount[0]] ?? 0), // FIXME: this computation should probably be done in entry
+					// FIXME:	charge: entry.charge,
+			  }
+	}
+}
diff --git a/Card/Operation/Authorization.ts b/Card/Operation/Authorization.ts
deleted file mode 100644
index 338d3e1d..00000000
--- a/Card/Operation/Authorization.ts
+++ /dev/null
@@ -1,22 +0,0 @@
-import { isoly } from "isoly"
-import { isly } from "isly"
-export interface Authorization {
-	type: "authorization"
-	id: string
-	status: Authorization.Status
-	reason?: string
-	created: isoly.DateTime
-}
-
-export namespace Authorization {
-	export const statuses = ["created", "confirmed", "refunded", "captured", "cancelled"] as const
-	export type Status = typeof statuses[number]
-	export const type = isly.object<Authorization>({
-		type: isly.string("authorization"),
-		id: isly.string(),
-		status: isly.string(statuses),
-		reason: isly.string().optional(),
-		created: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
-	})
-	export const is = type.is
-}
diff --git a/Card/Operation/Card.ts b/Card/Operation/Card.ts
deleted file mode 100644
index f46d8dcc..00000000
--- a/Card/Operation/Card.ts
+++ /dev/null
@@ -1,22 +0,0 @@
-import { isoly } from "isoly"
-import { isly } from "isly"
-import { Changeable } from "../Changeable"
-
-export interface Card {
-	type: "card"
-	status: Card.Status
-	from?: Changeable
-	created: isoly.DateTime
-}
-
-export namespace Card {
-	export const statuses = ["created", "changed", "cancelled"] as const
-	export type Status = typeof statuses[number]
-	export const type = isly.object<Card>({
-		type: isly.string("card"),
-		status: isly.string(statuses),
-		from: Changeable.type.optional(),
-		created: isly.fromIs("isoly.DateTime", isoly.DateTime.is),
-	})
-	export const is = type.is
-}
diff --git a/Card/Operation/Operation.spec.ts b/Card/Operation/Operation.spec.ts
deleted file mode 100644
index 58fdf7f3..00000000
--- a/Card/Operation/Operation.spec.ts
+++ /dev/null
@@ -1,13 +0,0 @@
-import { pax2pay } from "../../index"
-
-describe("Card.Operation", () => {
-	const operation: pax2pay.Card.Operation = {
-		type: "authorization",
-		id: "19236hf",
-		status: pax2pay.Card.Operation.fromEntryStatus("capture"),
-		created: "2023-12-13T12:11:00.000Z",
-	}
-	it("authorization", () => {
-		expect(pax2pay.Card.Operation.is(operation)).toBeTruthy()
-	})
-})
diff --git a/Card/Operation/index.ts b/Card/Operation/index.ts
deleted file mode 100644
index 1f11e3d6..00000000
--- a/Card/Operation/index.ts
+++ /dev/null
@@ -1,42 +0,0 @@
-import { isoly } from "isoly"
-import { isly } from "isly"
-import { Authorization } from "../../Authorization"
-import { Entry } from "../../Settlement/Entry"
-import { Authorization as OperationAuthorization } from "./Authorization"
-import { Card } from "./Card"
-
-export type Operation = Card | OperationAuthorization
-
-export namespace Operation {
-	export function fromAuthorization(
-		authorization: Authorization,
-		status: OperationAuthorization.Status
-	): Operation | undefined {
-		return {
-			type: "authorization",
-			id: authorization?.id ?? authorization.transaction?.id ?? "unknown",
-			status,
-			created: isoly.DateTime.now(),
-		}
-	}
-	export function fromEntry(entry: Entry): Operation | undefined {
-		return entry.type == "unknown"
-			? undefined
-			: {
-					type: "authorization",
-					id: (entry.type != "refund" ? entry.authorization?.id : entry.transaction?.id) ?? "unknown",
-					status: Operation.fromEntryStatus(entry.type),
-					created: isoly.DateTime.now(),
-			  }
-	}
-	export function fromEntryStatus(status: Exclude<Entry.Type, "unknown">): OperationAuthorization.Status {
-		const statusConverter: Record<Exclude<Entry.Type, "unknown">, OperationAuthorization.Status> = {
-			capture: "captured",
-			cancel: "cancelled",
-			refund: "refunded",
-		}
-		return statusConverter[status]
-	}
-	export const type = isly.union(Card.type, OperationAuthorization.type)
-	export const is = type.is
-}
diff --git a/Card/index.ts b/Card/index.ts
index 004aba30..5799780f 100644
--- a/Card/index.ts
+++ b/Card/index.ts
@@ -7,9 +7,9 @@ import type { Rule } from "../Rule"
 import { type as ruleType } from "../Rule/type"
 import { Changeable as CardChangeable } from "./Changeable"
 import { Creatable as CardCreatable } from "./Creatable"
+import { Event as CardEvent } from "./Event"
 import { Expiry as CardExpiry } from "./Expiry"
 import { Meta as CardMeta } from "./Meta"
-import { Operation as CardOperation } from "./Operation"
 import { Preset as CardPreset } from "./Preset"
 import { Scheme as CardScheme } from "./Scheme"
 import { Stack as CardStack } from "./Stack"
@@ -24,17 +24,12 @@ export interface Card {
 	preset: CardPreset
 	scheme: CardScheme
 	reference?: string
-	details: {
-		iin: string
-		last4: string
-		expiry: CardExpiry
-		holder: string
-		token?: string
-	}
+	details: { iin: string; last4: string; expiry: CardExpiry; holder: string; token?: string }
 	limit: Amount
 	spent: Amount
 	status: "active" | "cancelled"
-	history: CardOperation[]
+	history: any[]
+	events?: Card.Event[]
 	rules: Rule[]
 	meta?: CardMeta
 }
@@ -59,7 +54,8 @@ export namespace Card {
 		limit: isly.tuple(isly.fromIs("isoly.Currency", isoly.Currency.is), isly.number()),
 		spent: isly.tuple(isly.fromIs("isoly.Currency", isoly.Currency.is), isly.number()),
 		status: isly.union(isly.string("active"), isly.string("cancelled")),
-		history: isly.array(CardOperation.type),
+		history: isly.any(),
+		events: CardEvent.type.array().optional(),
 		rules: ruleType.array(),
 		meta: isly.fromIs("Card.Meta", CardMeta.is).optional(),
 	})
@@ -69,13 +65,22 @@ export namespace Card {
 	export import Meta = CardMeta
 	export import Expiry = CardExpiry
 	export import Changeable = CardChangeable
-	export import Operation = CardOperation
+	export import Event = CardEvent
 	export import Scheme = CardScheme
 	export import Stack = CardStack
 	const csvMap: Record<string, (card: Card) => string | number | undefined> = {
 		id: card => card.id,
 		created: card => readableDate(card.created),
-		cancelled: card => readableDate(card.history.find(o => o.type == "card" && o.status == "cancelled")?.created),
+		cancelled: card => {
+			if (card.events) {
+				return readableDate(card.events.find(o => o.type == "cancel")?.at)
+			} else {
+				// for legacy reasons
+				return readableDate(
+					card.history?.find(o => o.type == "card" && "status" in o && o.status == "cancelled")?.created
+				)
+			}
+		},
 		"organization.code": card => card.organization,
 		realm: card => card.realm,
 		account: card => card.account,
@@ -89,8 +94,18 @@ export namespace Card {
 		expiry: card => readableDate(Expiry.toDateTime(card.details.expiry)),
 		iin: card => card.details.iin,
 		holder: card => card.details.holder,
-		"authorization.count": card => card.history.filter(o => o.type == "authorization" && o.status == "created").length,
-		"capture.count": card => card.history.filter(o => o.type == "authorization" && o.status == "captured").length,
+		"authorization.count": card => {
+			const authorizations = card.events?.filter(o => o.type == "authorization" && o.outcome == "created").length ?? 0
+			const legacy =
+				card.history?.filter(o => o.type == "authorization" && "status" in o && o.status == "created").length ?? 0
+			return authorizations + legacy
+		},
+		"capture.count": card => {
+			const captures = card.events?.filter(o => o.type == "capture").length ?? 0
+			const legacy =
+				card.history?.filter(o => o.type == "authorization" && "status" in o && o.status == "captured").length ?? 0
+			return captures + legacy
+		},
 	}
 	function readableDate(date: isoly.DateTime | undefined): string | undefined {
 		return date && date.slice(0, 10) + " " + (date.endsWith("Z") ? date.slice(11, -1) : date.slice(11))