About Us | Capital Bankcard Option — iM4 Health
Helping Businesses Keep More. Helping Employees Earn More.
Who We Are - By the Numbers
Capital Bankcard Option has served the healthcare payments industry since 1998. Today we also deliver iM4 Health — a zero-cost employee benefit that increases take-home pay by up to 7%
In 2020, we expanded beyond payments into employee benefits with iM4 Health — a 213(d) medical care program that increases employee take-home pay by up to 7% at zero net cost to the employer, funded entirely through FICA tax savings. It's the same principle that's guided us since day one: put money back where it belongs, for businesses and the people who work for them.
By the numbers:
- Serving healthcare businesses since 1998
- 80,000+ merchant accounts managed
- 7 million+ transactions processed monthly
- 170+ dedicated team members
- iM4 Health: in operation since 2020, zero compliance issues across 5+ years
Increase Business Opportunities
Increase Business Opportunities
With iM4 Health, you can do more than process payments — you can help your own employees and your clients' employees keep more of what they earn, at zero net cost to the business. Also, enhance the customer experience and grow your business with the ability to accept patient payments for telehealth, B2B, and eCommerce transactions.
Services
iM4 Health — Employee Benefit Outcomes
- Up to 7% employee take-home pay increase
- $640–$750 annual employer FICA savings per employee
- Adoption rates up to 95% at scale (McDonald's Corp), conservatively modeled at 56%
- $0 net employer cost
Payment Processing Services
- Telehealth Payments
- B2B Rates, Level 2 & 3
- eCommerce Processing
- High Deductible Financing/Billing
Real Results
One organization with just over 660 employees realized approximately $250,000 in annualized FICA savings beginning with its very first payroll cycle using iM4 Health — funded entirely through existing payroll, without changing their health plan or adding cost.
That's the difference between a promise and pro