Dedicated P-Card AuditingAudit your purchasing-card program,
down to the line item.

Our P-Card Audit is a dedicated solution, separate from AP.guru, that clients can engage on its own. We ingest your complete Level 3 (Visa Commercial Format) data and audit every transaction to surface fraud, misuse, and personal spend that summary reports never show.

How it works

From raw card data to ranked findings.

Ingest Level 3 data

Every line item on every transaction, plus supplier, cardholder, and GL detail, from your VCF feed.

Clean & enrich

Normalize messy merchant names, convert every currency to your base, unmask payment processors, and add cardholder context.

Audit every transaction

Run dozens of fraud and risk checks across merchants, cardholders, categories, and line items.

Risk-score & review

Every transaction is scored and prioritized so your auditors review, adjust, and act on what matters.

What we detect

The fraud and misuse hiding in the detail.

Personal & prohibited spend

We classify what was actually purchased and flag gift cards, streaming, gambling, dating, gaming, and adult spend, at the line-item level, not just the merchant.

Payments to individuals

Catch money routed to people through PayPal, Venmo, Zelle, and Cash App, bypassing W-9 and 1099 controls. It’s the highest-risk pattern on a corporate card.

Conflicts of interest

Flag cardholders buying from vendors they personally own, and cross-check registered vendor officers against your cardholders using Secretary of State records.

Suspicious patterns

Split transactions that dodge limits, round-dollar “gift-card” charges, weekend spend, and vendors used by only one cardholder.

High-risk categories

Every merchant category code is risk-scored in the context of your program: casinos, jewelry, and liquor rank high; fuel and hardware low.

Cardholder risk context

We enrich each cardholder with title, seniority, and department, so heavy spend by a VP is weighed differently than a field employee.

Real findings

In one client’s program, we found an employee personally named as the owner of a vendor they were charging: over $270,000 in spend, a direct conflict of interest. In another, personal PayPal payments were flowing straight off corporate cards. None of it showed up at the merchant-and-amount level. All of it was sitting in the Level 3 detail.

Why Level 3 matters

Most tools see the store. We read the receipt.

A standard P-Card report shows only the merchant and the amount. Level 3 data is the itemized receipt: what was actually bought. That’s where the fraud hides, and it’s exactly what our audit reads.

Dedicated P-Card AuditingAudit your purchasing-card program,down to the line item.