GymPact is a wonderfully thought out mobile app that pays you for following through with your scheduled workouts. On the flipside, it will also charge you an amount you pre-determine, for any missed workouts. Talk about accountability, right?!

Say you commit, via the app, to doing 3 workouts a week. You can get credit for that by going to a gym (and checking in via GPS), syncing your account to RunKeeper, or even doing at home workouts (provided you wear an arm band). You must workout for at least 30 minutes in order for your activity to count. If you fail to work out, it’ll cost you a minimum of $5. If you meet your weekly goal, you’ll probably net $2/week. It varies from week to week, based on how many people miss their workouts and what they wager as a penalty. Make sense?

I’ve recommended the app/service to several people already, but have yet to sign up myself. Money is always a great motivator, and that’s the app’s premise, but when technology like this is involved — as well as my hard earned dollars — I’m not so quick to jump in.

I’m not a gym girl. Never have been, and probably never will. I have tons of at-home workout DVDs and equipment like dumbbells and barbells in my home. I’ve built up my collection over the years and am very comfortable with my system. I was an early adopter of RunKeeper, so I’m comfortable with it and wearing the arm band during workouts.

What I’m really hesitant about really boils down to me not fully trusting GymPact’s technology. I’ve read review after review of people who loved the app’s concept, but have been having issues with the app not accepting their workouts, for any number of reasons. And apparently, there are frequent RunKeeper syncing issues. That doesn’t bode well for someone like me who does half their workouts w/ RunKeeper.

Being that I work out late at night (very close to the official “end of the day”, midnight), I’d probably be asking for issues with my workouts not being recorded. I’d have a very small window to report it, and an even smaller chance of getting a response before the deadline. And if this lead to my PayPal account being falsely and routinely charged, I would be quite pissed off.

I still think the inspiration for the app is brilliant! Some accuse it of being a scam, but I don’t think that’s accurate at all. I just think that when it comes to technology-based services, you have to deal with glitches. It comes with the territory. If you need that extra kick in the tail to workout, or just would like a way to get paid for what you’re already doing, you might give it a shot and see if it works for you. If you aren’t willing to risk your own moo-lah, check out a similar idea in Earndit. With this one, you won’t be risking your own money, but still be rewarded for working out.

I’ve gone as far as downloading the app, but I just don’t have the nerve to go ahead and get started. Maybe I will when I have some extra funds in my PayPal account, but now’s not the time.