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How Chatarmin swapped 2 shared cards for 200 vendor cards with Moss: 10+ hours saved every month, automated invoices & spend forecasting for a bootstrapped team.

Chatarmin takes control of spend with Moss

When Philipp Multerer joined Chatarmin, the Vienna-based startup was managing its finances the hard way.

All invoices were paid manually from the bank account, with no centralised process for approvals or handover to the external accounting firm. On the card side, two company cards were registered across around 200 tools, with deductions monitored only after the fact. There was no way to anticipate what was coming.

As a fully bootstrapped business, cash flow is everything at Chatarmin. Philipp needed visibility not just over what had been spent, but over what was about to be charged and when. Moss gave him that.

The shift from two shared cards to 200 vendor cards has changed how Chatarmin manages its tools spend entirely. Each card carries a monthly limit, which serves two purposes: it acts as a security measure against unexpected charges and as a forecasting tool. If a limit is hit, that's a signal to investigate, not just a blocked payment.

For Chatarmin this matters beyond simple cost control. The company charges its own customers a variable fee based on usage, including LLM token consumption. Being able to track exactly what each vendor charges, and compare that against what clients are billed, is a core part of how the business controls its unit economics.

10 hours saved every month, after a 5-hour setup

Before Moss, collecting invoices for credit card payments was, in Philipp's words, a huge effort. Everything had to be gathered manually and passed to the external accounting team. Now, team members scan receipts in the Moss app on their phones. Everything is in one place, searchable, and ready when it is needed.

The initial setup, creating 200 individual vendor cards and configuring limits, took around five hours. Since then, the system has saved the team more than 10 hours every month, time that previously went on chasing documents, reconciling statements and manually processing payments.

Next on the roadmap is the Moss budgeting feature, which the team plans to roll out once they have built enough insight into their spending patterns to set meaningful department-level budgets.

Chatarmin takes control of spend with Moss

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Experience modern spend management with Moss.