Please reach us at support@paybackfitness.com if you cannot find an answer to your question.
PayBack Fitness Coin (aka PF Coin) is our in-app reward currency. You can spend it to enter your next Block or cash it for a gift card of your choosing at face value ($20 minimum). When you cash out, you receive 100% of your PF Coin value — no hidden fees, ever. With over 2,000 gift card options including major brands like Amazon, Walmart, and Target, as well as 50 different charities, you can spend your rewards however you want!
PayBack Fitness is a habit-based fitness app that rewards you for consistency. You pay to join, complete weekly workout goals, and earn back your money in PF Coin — a digital reward you can redeem or spend.
We’re launching soon! In the meantime, you can join our beta sign-up list to be first in line when the app goes live.
There are two parts:
Every week you hit your workout goal, you earn $10 in PF Coin. Miss a week? Your $10 goes into a pool that’s shared among those who stayed on track. This means that you can get more than $10 back per week if you are successful and someone else isn't.
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 Coin 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: your reward is only paid out upon the completion of their first Block.
Users must be 18 or older to participate. This ensures legal compliance and fair use of rewards.
Yes! You can create or join a group to compete with friends, family, coworkers, or teammates. For now, group customization is simple: you choose the weekly workout goal, the minimum duration for each workout, and when the Block begins. More options like custom entry fees and advanced settings will be available as the platform grows.
Yes. When creating a group, you’ll be able to choose whether it’s open to the public or restricted to invited members only.
Yes. PayBack Fitness is available on iOS and Android, and all tracking/logging happens through the app.
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.
Not yet. For now, each user can only participate in one Block or group at a time. This keeps the system simple and fair as we grow. In the future, we may allow multiple groups or Blocks, but right now the focus is on building consistency one Block at a time.
Even in a small Block, the system still works where hitting your weekly goal determines whether you keep or forfeit your $10 in PF Coin. A Block must have at least 2 competitors to become active on the Group Start Date; otherwise, it will be removed and allow you to create or join another group.
Yes. To keep things simple and to avoid IRS filing requirements, each user can earn up to $500 in profit per year. That’s on top of earning back your own entry fees. Most people will never bump up against this limit, but it ensures compliance and keeps rewards flowing smoothly.
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.
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 Coin goes 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, just note that any remaining PF Coin balance will be forfeited. Subscriptions and Block entry fees are non-refundable once a Block has started. This policy helps keep the reward system fair for all participants.
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.
When you join a Block, 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 Coin earnings are always rounded down to the nearest dollar. For example, if you earn $12.36, you’ll receive 12 PF Coin. The few cents left behind help support the system and keep the math clear for everyone.
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.
Not necessarily. You set your weekly workout goal within the Block. For example, you might choose 4 workouts per week at 30 minutes each. As long as you meet your chosen goal, you’ll earn your rewards.
Workouts must be logged with the date the activity actually took place. You can log a workout on the same day or retroactively log it up until 12:00 PM (noon) the following day. After that cutoff, workouts can no longer be added for past dates. This ensures fairness and keeps everyone on the same schedule - so be sure to log on time!
Accounts that show repeated abuse of the system may be suspended or removed. Our priority is keeping the community fair and fun for everyone.
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.
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