From Month-End Scramble to Real-Time Control: How Mattioni Plumbing, Heating & Cooling Simplified Financial Operations

For over 75 years, Mattioni Plumbing, Heating & Cooling has been a trusted name across Southeastern Pennsylvania—known for its knowledgeable team, courteous service, and unwavering commitment to quality. Founded in 1948 on the Mattioni family farm, the company has grown from a small local operation into a modern service leader, still rooted in the same values that defined its beginning.

And for third-generation owner Michael Mattioni, maintaining that legacy is all about balance: honoring tradition while embracing innovation. Finding smarter, more efficient ways to keep the wheels spinning onwards and upwards.

So when the opportunity arose to modernize the company’s financial tools, Michael wasn’t looking for a big transformation—just something really easy and reliable that would make day-to-day operations just a little simpler. What he found instead would reshape how the business manages spending, visibility, and organization across the entire company.

Before the Card:

A Reliable System With Constant Clutter

For years, Mattioni Plumbing & Heating managed company expenses the way most contractors do—through a patchwork of traditional credit cards, spreadsheets, and endless receipt chasing. Each department handled purchases differently, and receipts often trickled in long after the fact. By the time everything was finally sorted out, material costs and departmental budgets had already shifted.

“We’d look mid-month and think a department was running at 15% materials,” Michael recalled. “By the time we closed the books, it was 18%. The lag made it hard to see what was really happening.”

At the same time, the business had outgrown its financial setup. Their existing Capital One Spark card had served them well, but as spending grew, so did the need for something faster and more scalable. Mattioni needed a solution that could keep pace with their scorching growth while making tracking expenses less of a monthly migraine.

The Turning Point:

A Seamless Switch—and an Unexpected Discovery

When Michael first came face-to-face with the ACCA Business Mastercard, two things were instantaneously clear:

1. The card offered a better cashback rate—2.1% unlimited cashback, a step up from the 2.0% he earned with Capital One Spark. At his level of monthly spend, that seemingly small difference translates into meaningful dollars back to the business.
2. Just as important, the credit line approval was fast and substantial. While Capital One had eventually grown his limit to $750,000, it took years and frequent requests for increases. With the ACCA Business Mastercard, he was approved for $500,000 in a matter of days—no back-and-forth, no friction.

“Approval was so painless I barely noticed,” he said. “We got the line we needed right away, and everything switched over smoothly. No downtime, no headaches.”

The way Michael sees it, the switch was purely a financial decision. The ACCA Business Mastercard offered better cashback, plain and simple—more money back in his wallet with every purchase. And combined with the fact that he was able to secure a higher credit limit in a matter of days, it made the switch even more convincing. The new limit allowed him to continue operations seamlessly and scale up without interruption, while the onboarding and transition process—moving all spend and card activity over—was extremely easy from start to finish.

But soon after the switch, he and his team discovered something far more valuable than they expected: the expense management system built directly into the ACCA Business Mastercard platform.

“It wasn’t something I was even looking for,” Michael admitted. “But once we started using it, I realized how much time and chaos it eliminated—for me and for my back office.”

What began as a simple upgrade for better cashback and faster credit turned into a breakthrough in how Mattioni Plumbing, Heating & Cooling manages expenses, visibility, and organization.

After the Card:

Expense Management That Changed Everything

The unsung hero for Michael’s company has been the platform’s built‑in expense management—a feature he now calls a “10/10.” It’s become a cornerstone of how the business runs its financial operations. What used to take hours of manual work now happens automatically and in real time.

It replaced a messy, month‑end paper chase with a simple, mobile‑first flow:

• Buy → Snap → Send: Technicians and cardholders text in receipts and add a quick memo.
• Automatic organization: The transaction is categorized and synced instantly into their accounting system so the back office doesn’t spend days reconstructing what happened. 
• See what’s happening now: Alerts on transactions (Michael keeps them on for his own purchases) create instant visibility and reinforce accountability across the team.

Now, instead of waiting weeks to reconcile spend, his accounting team knows exactly where money is going as it happens.

“We used to chase receipts at the end of every month,” he said. “Now, everything is organized the moment it’s purchased. We can see our true costs by department in real time.”

The change has not only improved accuracy—it’s boosted morale. The back office has less tedious work, technicians spend less time managing paperwork, and Michael has clearer insight into operational costs.

“My back office absolutely loves it.”

Michael’s Advice to Other HVAC Owners

“If you want to do the exact same thing—or even run more efficiently—and get more money back, make the switch,” Michael said. “It was little effort for a lot of hands-off gain.”

He encourages other contractors not to overlook the expense management capabilities of the ACCA Business Mastercard. What starts as a financial decision—better cashback and quick credit approval—can turn into a complete back-office transformation.

“We didn’t have to change how we buy,” he explained. “Approval was fast, the expense feature is a 10 out of 10, and we’re getting more back on the same spend. That’s a win for any contractor.”