Planet Fitness charges usually show up on a bank statement as “PLANET FIT CLUB FEES,” “PLANET FITNESS,” or “ABC*PLANET FITNESS,” posted as an ACH electronic debit from your checking account rather than a card purchase. Shorter banks truncate the line to “PLANET FIT” or just “PLANET,” and some members see “ABC FINANCIAL” with no gym name attached at all. All of these describe the same billing relationship.
Why ABC Financial Shows Up Instead of the Gym
Planet Fitness runs its recurring billing through ABC Fitness Solutions, formerly known as ABC Financial. That processor handles the monthly draft, the annual fee, and any retry attempts for individual clubs. When the descriptor on your statement reads “ABC FINANCIAL” or “ABC*PLANET FITNESS,” the charge is still coming from your gym; you’re just seeing the processor’s name in front.
Before you flag it as fraud or freeze the card, compare the dollar amount and the date to your membership agreement. If both line up with your dues, it’s the same charge you’d expect from Planet Fitness directly.
The Dollar Amounts to Match Against
Planet Fitness currently sells two tiers. The Classic plan starts at $15 per month and the PF Black Card starts at $24.99 per month, both before taxes and fees. Pricing varies by location, so your club may charge a little more. Monthly drafts hit on a recurring date tied to when you signed up, though some clubs standardize billing on the 1st or the 17th.
Every member also pays a $49 annual fee. It usually posts around the second month of membership and then on that same date each year after. Because the annual fee is billed separately, you’ll sometimes see two Planet Fitness debits in a single month: one around $15 to $25 for your regular dues, and a second at $49. That is normal.
Two other amounts can appear. An enrollment or startup fee shows up on your first statement, and the amount depends on the location and any active promotion. Some clubs run promotions charging a penny for a Black Card signup while charging $49 for a Classic signup at the same time. Separately, a $58 buyout fee posts only if you cancel a commitment-term membership before the contract ends. Month-to-month members won’t see the buyout fee at all.
Check Your Bank Statement, Not Your Credit Card Bill
Planet Fitness strongly prefers pulling monthly dues directly from a checking account through electronic funds transfer, which is why most clubs collect routing and account numbers at signup. Cards expire, get replaced, or trip fraud alerts, and a checking account rarely changes. That keeps the club’s payment failure rate low.
For you, that means the charge won’t be on your credit card statement next to retail purchases. It will be on your bank statement as an ACH debit, often prefixed with something like “ACH Electronic Debit” or “External Withdrawal” before the merchant name. If you only scan credit card activity for subscriptions, Planet Fitness is easy to miss. Some clubs will accept a card for a one-time payment or a balance settlement through the app, but the recurring pull almost always comes from the bank account on file.
Franchise Location Tags in the Descriptor
About 90% of Planet Fitness locations are independently owned franchises rather than corporate-run clubs.1Planet Fitness. Planet Fitness, Inc. Completes Refinancing Transaction Because of that, your descriptor may include a club number or a city and state tag, such as “0439 PLANET FITNESS NEW YORK NY.” That’s your specific franchise identifying itself in the billing line.
In some cases the descriptor uses the franchise owner’s business entity rather than the Planet Fitness brand. If you see an unfamiliar company name debiting the exact dollar amount you’d expect on your usual billing date, pull out your membership agreement. The franchise operator’s legal name is typically disclosed in the contract and should match the mystery charge.
What “PLANET FIT RETRY PYMT” Means
If your account didn’t have enough money on the original billing date, the processor makes a second attempt to pull the payment, and that attempt posts as “PLANET FIT RETRY PYMT.” Seeing that line is a prompt to check whether your bank also charged a returned-payment fee on the original try.
If a Charge Still Looks Wrong
Start with the club that billed you. Contact the specific location where you signed up, explain which charge you’re questioning, and ask the front desk to review your billing history. Individual franchises have some ability to issue refunds, though approval isn’t guaranteed and policies vary by owner. Take notes on who you spoke with and when.
If the club won’t resolve it, or if the debit is genuinely unauthorized, federal law under Regulation E gives you the right to dispute an electronic funds transfer with your bank, with liability limits that depend on how quickly you report the problem.2Consumer Financial Protection Bureau. Liability of Consumer for Unauthorized Transfers Your bank must investigate and, if it needs more than 10 business days, provisionally credit your account while it finishes.3Consumer Financial Protection Bureau. Procedures for Resolving Errors The faster you report, the lower your maximum liability, so don’t sit on a suspicious debit while you wait for the club to call back.
One boundary worth knowing: if you’ve already canceled and a charge posts anyway, confirm the timing against the cancellation rules Planet Fitness enforces. Cancellations must be made in person at your home club or by certified letter to that club, and there are cutoff dates for avoiding the next monthly bill and the annual fee. A charge that lands before those cutoffs isn’t unauthorized; a charge after a properly processed cancellation is exactly the kind you’d escalate through your bank.