a purchase card maximization apparatus , method , and program product enhances efficiencies realized by an organization through performance metrics and reporting by analyzing applicable purchases through a cost center hierarchical display , measuring performance against baseline targets , highlighting areas in need of improvement , and providing reports that list specific steps to improve purchase card program performance ; usage compliance by applying specific company policy regulations to current purchase card transactions , record and track violations of company policies by cardholders and organization , automatically providing email notification of violations to cardholders , and providing escalation policy for dealing with repeat offenders ; and audit implementation and tracking by applying a specific company policy to determine cardholders to be audited , recording and tracking results of cardholder audits , ensuring due diligence in applying audit strategy , and reporting overall program compliance through audit reporting .