Frequently Asked Questions

PayBack Fitness is a habit-building accountability platform that uses structured motivation and rewards to help people stay consistent with fitness. Users join 10-week fitness groups called Blocks using PF Points - participation credits that keep you accountable to your goal. Each week you meet your goal, you unlock PF Points as rewards that can be used for future Blocks or redeemed for gift cards in our reward catalog.

To join PayBack Fitness, you must be 18 or older. This rule helps keep our community safe, fair, and compliant with the law. 

The group creator sets the desired time zone. You can log workouts for today or yesterday. For example, if today is Wednesday, you can log a workout for Wednesday (today) or Tuesday (yesterday). You cannot log workouts for future days or for more than one day in the past.

Each week ends at midnight in the chosen time zone after Day 7. At that time, the week closes and workouts can no longer be logged for that week. PF Points are then calculated based on whether you reached your weekly goal. Be sure to log your workouts before the week ends to get credit.

Nope! The only exception is if your group’s goal is 7 days per week. When you join a group for the 10-week Block, the group creator sets the weekly goal (for example, 4 workouts per week at 30 minutes each). Your focus is simply to meet that weekly goal, no matter how you spread the workouts across your week. As long as you hit the group’s goal, you’ll earn your rewards. 

No - it’s better. Instead of just paying to work out, you’re part of a system that pays you back for showing up and staying consistent. 

No - you can complete your workouts however you choose: at home, in the gym, outdoors, or with a fitness class. As long as you hit your weekly goal and log it, it counts. 

Yes. PayBack Fitness is available on iOS and Android, and all tracking/logging happens through the app. 

Right now, workouts are logged on the honor system.  Smart-wear integrations (like Apple Watch and Fitbit) are coming soon, so you’ll have the option of automatic verification if you prefer. Our focus is on helping you build lasting fitness habits - the rewards are simply a bonus along the way. Cheating isn’t tolerated, and in reality, it only shortchanges the person doing it.

Yes! You can create or join a group to compete with friends, family, coworkers, or teammates. Group compete in 10-week Blocks. For now, group customization is simple: you choose the weekly workout goal, the minimum duration for each workout, the desired time zone, and what day/date the group competition begins.

Yes. For now, all groups are invite-only but soon enough you will have the option to create or join public groups too. At that point, when creating a group, you’ll be able to choose whether it’s open to the public or restricted to invited members only. 

Not yet. For now, each user can only participate in one group at a time. This keeps the system simple and fair as we grow. In the future, we may allow multiple simultaneous groups, but right now the focus is on building consistency one step at a time. 

Even in a small group, the system still works where hitting your weekly goal determines whether you keep or forfeit your 10 PF Points. A group must have at least 2 competitors to become active on the group start date; otherwise, it will be removed and your PF Points will be reimbursed to allow you to create or join another group.

Life happens, and sometimes there will be illnesses, travel, or other unforeseen events that make it hard to hit your goal. Unfortunately, missed weeks can’t be reimbursed as your forfeited PF Points go into the shared pool for everyone that hit their weekly goal. The good news is you can always jump back in the following week. PayBack Fitness is about building momentum over time, not perfection. 

Each Block is about building momentum, so even if you miss a week, you can always keep going. If you choose to unsubscribe during an active Block/group, just note that any remaining PF Points will be forfeited. Subscriptions and group entries are non-refundable once a Block has started. This policy helps keep the reward system fair for all participants. 

PayBack Fitness is based on the psychology and neuroscience of behavioral economics. By combining instant rewards, accountability, and community, it helps you stay motivated and turn fitness into a lifestyle. Take a look at our Blog posts to learn more!

PayBack Fitness Points (aka PF Points) are how you are rewarded. To start, you must buy 100 PF Points to join or create a group. As you earn back your PF Points (see "How do the rewards work" below), you can redeem them for a gift card of your choosing at face value (20 PF Points minimum). Alternatively, you can use them to create/join your next 10-week group competition. 

For redemptions, 1 PF Point = $1. 

When you redeem, you receive 100% of your PF Points value - no hidden fees, ever. With over 200 gift card options including major brands like Amazon, Walmart, and Target, as well as 50 different charities, you can be rewarded however you want! 

Each week that you complete your workout goal, you earn 10 PF Points.

If you miss your goal, you earn 0 PF Points. What you would have earned goes into a shared pool. That pool is divided among everyone in your group who did hit their goal.

👉 This means that:

• Hitting your goal = you always get at least 10 PF Points back.
• If others in your group miss the weekly goal = you earn even more than 10 PF Points that week.
• PF Points can be redeemed for gift cards or used to enter another Block/group.

Important things to know:

• PF Points redemptions are capped at 599 PF Points per calendar year.
• PF Points are not cash but can be redeemed for gift cards.
• If your account is deleted, any unused PF Points are forfeited.
   

Stay consistent, earn PF Points, and win extra if others fall behind.

This should be rare but for now, if this occurs then 10 PF Points are given to each member as if everyone hit the goal. 

PayBack Fitness is designed to reward consistency, not to profit from collective failure. Our incentives are aligned around helping members build sustainable habits.

There are two parts:

• Subscription: $5 per month or $50 per year (17% discount) to stay connected to the platform, track workouts, and access rewards.
   
• Block Entry Fee: 100 PF Points for each 10-week group you join. Don’t worry - you earn them all back and more by hitting your goals. You can purchase PF Points to create or join a group if needed.

If you need more PF Points to enter a Block, you can always buy them via an in-app purchase or through our website portal for a 15% discount. With the latter option, each $1 buys 1 PF Point.

When you invite friends to join PayBack Fitness, both of you benefit. Your friend gets started with extra motivation, and you earn a referral reward of 10 PF Points per new user. The more people you bring in, the more you can earn! It’s our way of saying thanks for helping the community grow. 

Please note: you receive this reward upon the completion of their first 10-week Block.

When you purchase PF Points through our portal, payment is processed through Stripe, which includes a small standard credit card processing fee of about 3%. 

PayBack Fitness does not add or keep any additional fees here - this is simply the cost of secure payment processing. 

To keep things simple, your weekly PF Points earned are always rounded down to the nearest whole number. For example, if you earn 12.36 PF Points, you’ll receive 12 PF Points. The fraction left behind helps support the system and keeps the math clear for everyone. 

Yes. All payments are processed through trusted third-party providers using industry-standard encryption and PCI-compliant systems. PayBack Fitness never stores your credit card details on our servers. 

Accounts that show repeated abuse of the system may be suspended or removed. Our priority is keeping the community fair and fun for everyone. 

Deleting your account permanently removes your profile, workout history, and any stored data.

If you have an active subscription or are part of a group, your account will be scheduled for deletion once those end - not immediately. Any remaining PF Points will be forfeited and cannot be recovered once the account is deleted. Make sure to redeem any available PF Points before deleting your account.

To protect user privacy and comply with data regulations, all associated personal data will be permanently erased after the deletion is complete.