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 Coins - participation credits that keep you accountable to your goal. Each week you meet your goal, you unlock PF Coin rewards that can be used for future Blocks or redeemed for gift cards in our reward catalog. 

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.  

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

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 after Day 7. At that time, the week closes and workouts can no longer be logged for that week. PF Coin rewards 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, 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. 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. For now, all groups are invite-only but soon enough you will have the option to create or join either private or public groups. 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 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 PF Coins. 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 with your PF Coins.

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. 

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 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 PF Coins minimum). When you redeem, 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! 

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

If you miss your goal, your 10 PF Coins don’t disappear - instead, they go 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 Coins.
• If others in your group miss = you could earn even more than 10 PF Coins that week.
• Over time, PF Coins you earn can be redeemed for gift cards or spent entering another Block

Important things to know:

• PF Coin redemptions are capped at 599 PF Coins per calendar year to keep things fair and tax-compliant.
• PF Coins are not cash but can be redeemed for gift cards.
• If your account is deleted, any unused PF Coins are forfeited.
   

Stay consistent, earn PF Coins, and even win extra when others fall behind.

There are two parts:

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

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 Coins 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.

When you purchase PF Coins, 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 whole number. For example, if you earn 12.36 PF Coins, you’ll receive 12 PF Coin. 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. 

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 Coins in your wallet will be forfeited and cannot be recovered once the account is deleted. Make sure to redeem any available PF Coins 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.