A ZIGU MX*FITNESS XR, ZIGU MX FITNESS XR, or ZIGU MX*FITNESS XR SN PEDRO GARZ entry on a credit card, debit card, or bank statement likely represents a fitness membership or digital fitness-service payment processed through Zigu, a payment platform based in Mexico.
A real Fitness XR mobile app and membership platform exists, and its Apple App Store listing currently shows a $19.99 online membership. However, the exact relationship between that app, the cardholder’s membership, and the Zigu merchant account should be confirmed through receipts, account records, Zigu, Fitness XR support, and the card issuer.
What Is the Zigu MX Fitness XR Charge on a Credit Card?
ZIGU MX*FITNESS XR most likely represents a payment submitted under the Fitness XR merchant or service name and processed through Zigu in Mexico.
The statement descriptor can be interpreted as:
- ZIGU: An electronic-payment platform
- MX: Mexico
- FITNESS XR: The merchant, membership, gym, or fitness-service label
- SN PEDRO GARZ: An abbreviation for San Pedro Garza García, Nuevo León
Zigu may be the processor shown before the actual merchant name. This is similar to statements that display a payment facilitator followed by the business receiving the payment.
What Is Zigu MX?
Zigu describes itself as a Mexican electronic-payment platform that helps businesses accept digital payments.
Zigu currently lists:
- Website: Zigu.mx
- Email: contact@zigu.mx
- Address: Av. Calzada del Valle #400, Local 1021, Col. Del Valle, San Pedro Garza García, Nuevo León 66220, Mexico
Zigu may be able to identify the merchant account connected with a transaction. However, because Zigu appears to be a payment platform rather than the fitness-service provider, it may not control membership access, cancellation terms, or refunds.
When contacting Zigu, provide only through a private support route:
- The shortened descriptor
- The transaction date
- The amount
- The currency
- The merchant location shown by the bank
- The transaction reference supplied by the issuer
Do not send the complete card number, security code, banking password, or authentication code by ordinary email.
What Is Fitness XR?
Fitness XR is the name of an active mobile fitness platform.
Its published features include:
- Fitness-activity tracking
- Weight and body-metric tracking
- Class schedules and opening hours
- Exercise demonstrations
- Preset and personalized workouts
- At-home and gym workout access
- Member progress and achievement tracking
The app says that a Fitness XR account is required and that gym members may receive access through their gym.
The current Apple App Store listing identifies:
- App: Fitness XR
- Seller: E-Fitness Today LLC
- Category: Health & Fitness
- In-app purchase: Online membership — $19.99
The Android app is provided through the Virtuagym platform and currently lists:
- App support: support@virtuagym.com
- Support website: Virtuagym
Virtuagym support may be able to help identify an app account or technical-access problem. It may not necessarily be able to locate, cancel, or refund a payment processed outside an app store.
Is Fitness XR the Same as FitXR?
No confirmed connection has been established between the Fitness XR app described here and FitXR, the separate virtual-reality workout service.
The names are similar, but they should not automatically be treated as the same:
- Fitness XR is listed as a member fitness platform associated with E-Fitness Today LLC and Virtuagym.
- FitXR is a separate virtual-reality fitness service.
Check the exact app name, developer, receipt, account email, and statement descriptor before contacting either company.
Why Is Zigu MX Fitness XR Charging My Card?
Possible explanations include:
- A Fitness XR online membership
- A membership purchased directly from a gym
- A digital workout or fitness program
- A monthly membership renewal
- A membership activated through a gym account
- A purchase completed through a Zigu payment page
- A purchase made by another authorized card user
- A charge submitted in Mexican pesos and converted by the issuer
- A duplicate transaction
- An unauthorized use of the card
Search every email account for:
- Zigu
- Fitness XR
- E-Fitness Today
- Virtuagym
- Online membership
- Gym membership
- Get Your Deal
- The exact transaction amount
Check spam, promotions, archived, and deleted-email folders.
What Is the $19.99 Zigu MX Fitness XR Charge?
The current Apple App Store listing for Fitness XR includes an online membership priced at $19.99.
A Zigu MX Fitness XR transaction near $19.99 may therefore be connected with:
- A Fitness XR online membership
- A monthly digital-fitness plan
- A membership purchased through a participating gym
- A direct web checkout rather than Apple billing
A public consumer report also describes an unrecognized $19.99 Zigu MX Fitness XR transaction plus a small foreign-transaction fee.
The matching amount is an identification clue, not proof that every $19.99 charge belongs to the same account or subscription.
What Are the $22.99 or $28.33 Fitness XR Charges?
Public reports have described other amounts, including approximately:
- $22.99
- $28.33
- $57.14 across two reported payments
- $132
Different amounts may result from:
- A different membership tier
- Sales tax
- Currency conversion
- A foreign-transaction fee
- Several billing periods
- More than one product or service
- A duplicate or unauthorized transaction
These amounts come from public consumer reports and should not be treated as an official Fitness XR price list.
Why Did I Receive a Foreign-Transaction Fee?
The descriptor and location information point to a payment platform in Mexico.
Depending on the card issuer and how the payment was routed, the issuer may add:
- A foreign-transaction fee
- A currency-conversion adjustment
- An international-processing fee
A foreign fee does not by itself prove that the transaction is unauthorized.
Ask the issuer:
- What currency was submitted
- What currency was settled
- Whether the merchant account is located in Mexico
- How the foreign fee was calculated
- Whether the transaction was marked recurring
What Does SN PEDRO GARZ Mean?
`SN PEDRO GARZ`, `SAN PEDRO GAR`, or similar wording is likely an abbreviation for:
San Pedro Garza García, Nuevo León, Mexico
Zigu lists its office in San Pedro Garza García.
The location may identify:
- The payment processor
- The merchant account
- The acquiring bank
- The location stored in the card network’s merchant record
It does not necessarily mean the gym, app developer, or cardholder is physically located in Mexico.
What Is Zigu MX Get Your Deal?
Some searches and statement reports use wording such as:
- ZIGU MX*GET YOUR DEAL
- ZIGU MX GET YOUR DEAL
- ZIGU MX*GETYOURDEAL
This may be another merchant or campaign name processed through the Zigu platform.
Do not automatically assume that `GET YOUR DEAL` and `FITNESS XR` are the same merchant. Confirm whether the transactions share:
- The same amount
- The same date
- The same merchant identification number
- The same transaction reference pattern
- The same website or account
Ask the bank for the expanded merchant information before combining the two descriptions.
Common Statement Variations
Possible variations include:
- ZIGU MX*FITNESS XR
- ZIGU MX FITNESS XR
- ZIGU MX*FITNESSXR
- ZIGU MX*FITNESS XR SN PEDRO GARZ
- ZIGU MX FITNESS XR SAN PEDRO GAR
- ZIGU MX*FITNESS XR MEXICO
- ZIGU MX*GET YOUR DEAL
- ZIGU MX GET YOUR DEAL
- CHECKCARD ZIGU MX FITNESS XR
- CHKCARD ZIGU MX FITNESS XR
- POS DEBIT ZIGU MX FITNESS XR
- RECURRING ZIGU MX FITNESS XR
- PENDING ZIGU MX FITNESS XR
- PREAUTH ZIGU MX FITNESS XR
- POS REFUND ZIGU MX FITNESS XR
Banks may shorten the location, remove punctuation, or combine the processor and merchant names.
How to Verify the Fitness XR Transaction
- Copy the complete descriptor exactly as shown.
- Record the amount, transaction date, posting date, currency, and status.
- Search email for Zigu, Fitness XR, Virtuagym, E-Fitness Today, and the exact amount.
- Check whether you joined a gym that uses a member fitness app.
- Open the Fitness XR app and review the account or membership information.
- Check Apple and Google subscription histories.
- Ask every authorized card user.
- Contact the gym through which the account was created.
- Contact Fitness XR or Virtuagym app support.
- Ask Zigu to identify the merchant account connected with the transaction.
- Request expanded merchant details from the bank.
How to Check Apple or Google Subscriptions
The Fitness XR app is available through Apple and Google.
Check:
- Apple App Store purchase history
- Apple subscriptions
- Google Play order history
- Google Play subscriptions
An Apple-managed payment normally uses Apple’s billing descriptor rather than `ZIGU MX`. Therefore, an exact Zigu descriptor may indicate that the payment was submitted through a website, gym, payment link, or direct merchant checkout instead.
Do not cancel an unrelated Apple or Google subscription unless the account history matches the amount and transaction date.
How to Cancel a Fitness XR Membership
The correct cancellation route depends on where the membership was purchased.
Purchased Through a Gym
Contact the gym that created the Fitness XR account.
Ask it to:
- Identify the membership
- Explain the billing schedule
- Cancel future renewals
- Confirm the effective cancellation date
- Provide written confirmation
Purchased Through Apple
Manage the membership through the Apple subscription settings.
Purchased Through Google Play
Manage the membership through Google Play subscriptions.
Purchased Through a Zigu Checkout
Contact:
- The business name shown after `ZIGU MX*`
- The gym or fitness service connected with the receipt
- Zigu at contact@zigu.mx for merchant identification
- The card issuer when the merchant cannot be reached
Deleting the Fitness XR app does not necessarily cancel an active membership.
What If You Cannot Find a Fitness XR Account?
- Try every personal, work, and school email address.
- Check gym enrollment emails.
- Search for Virtuagym account messages.
- Ask family members and other authorized card users.
- Check whether a former gym membership remains active.
- Ask the bank whether the payment is recurring.
- Ask Zigu for the underlying merchant name.
- Contact the card issuer if no authorized account explains it.
Pending Versus Completed Charges
A pending Zigu MX Fitness XR transaction has not fully settled.
It may:
- Temporarily reduce available credit or funds
- Disappear if the authorization is released
- Be replaced by a completed payment
- Display incomplete merchant information
A completed charge has posted and may require cancellation, a refund request, or a bank dispute.
Do not count a pending authorization and its completed replacement as two separate payments unless both fully post.
Why Are There Multiple Zigu MX Fitness XR Charges?
Several entries may represent:
- Monthly membership renewals
- More than one fitness account
- A personal and family membership
- A gym membership and separate online membership
- A failed payment followed by a successful retry
- A pending authorization and completed payment
- A duplicate transaction
- Repeated unauthorized use
Compare the merchant identification number, amount, dates, and recurring-payment indicator.
Is Zigu MX Fitness XR Legitimate or a Scam?
Zigu is an active Mexican electronic-payment platform, and Fitness XR is the name of an active fitness app and membership platform.
Those facts do not prove:
- That every Zigu MX Fitness XR transaction was authorized
- That every charge came from the same Fitness XR account
- That the Zigu merchant account is directly controlled by the app developer
- That every cardholder agreed to recurring billing
- That every similarly worded descriptor is legitimate
Public reports describe several transactions that cardholders said they did not recognize. These are allegations and warning signals, not proof that Zigu, Fitness XR, Virtuagym, or every transaction is fraudulent.
Verify the individual payment using the receipt, account history, merchant record, and card issuer.
What If You Did Not Authorize the Charge?
- Confirm whether the transaction is pending, declined, or completed.
- Search for a Fitness XR or gym account.
- Ask every authorized card user.
- Check Apple and Google subscription histories.
- Ask Zigu for the underlying merchant information.
- Ask the bank whether other attempts have occurred.
- Lock or freeze the card when appropriate.
- Dispute a completed unauthorized transaction.
- Ask whether the card should be replaced.
- Monitor the account for additional international or fitness-related payments.
What Merchant Information Should You Request From the Bank?
Ask for:
- The complete merchant descriptor
- The merchant legal name
- The merchant telephone number
- The merchant website
- The merchant city, state, and country
- The merchant category code
- The merchant identification number
- The acquiring bank or payment processor
- The transaction reference number
- The original transaction currency
- The settlement currency
- Whether the transaction is marked recurring
- Whether it was card-present or card-not-present
- Whether other attempts were declined or pending
Credit-Card Dispute Guidance
Contact the credit-card issuer promptly when:
- No authorized Fitness XR or gym account can be found
- Billing continued after documented cancellation
- The same completed payment posted twice
- The processor or merchant cannot identify the transaction
- A promised refund did not arrive
- The card was used without permission
Keep:
- Account screenshots
- Gym membership records
- App-store purchase history
- Cancellation confirmations
- Zigu correspondence
- Fitness XR or Virtuagym correspondence
- Bank-dispute records
Official consumer guidance:
How to Dispute a Credit-Card Charge
Debit-Card and Bank-Account Guidance
An unauthorized debit-card transaction may immediately reduce the available bank balance.
Ask the bank:
- Whether funds were actually withdrawn
- Whether the payment is recurring
- Whether it was processed internationally
- Whether additional attempts occurred
- Whether future merchant payments can be blocked
- Whether the card should be replaced
- How to submit an unauthorized electronic-fund-transfer claim
Official consumer guidance:
Unauthorized Debit-Card and Bank-Account Help
Frequently Asked Questions About Zigu MX Fitness XR
What is Zigu MX Fitness XR charge on credit card?
It most likely represents a Fitness XR membership or fitness-service payment processed through the Zigu electronic-payment platform in Mexico.
What is Zigu MX?
Zigu is an electronic-payment platform based in San Pedro Garza García, Nuevo León, Mexico.
What is Fitness XR?
Fitness XR is an active fitness membership and workout-tracking app. It offers class schedules, exercise demonstrations, activity tracking, and gym or at-home workouts.
What is the $19.99 charge?
The current Apple App Store listing for Fitness XR shows a $19.99 online membership. Verify whether the amount matches your Fitness XR, gym, Apple, Google, or direct-checkout account.
Why did I receive a foreign-transaction fee?
Zigu is based in Mexico. The card issuer may assess an international-processing or currency-conversion fee depending on how the transaction was routed.
What does San Pedro Garz mean?
It is likely a shortened version of San Pedro Garza García, Nuevo León, where Zigu lists its office.
Is Fitness XR the same as FitXR?
No confirmed connection exists. FitXR is a separate virtual-reality fitness service with a similar name.
How do I cancel the charge?
Cancel through the gym, merchant website, Apple, Google Play, or direct checkout used to start the membership. Zigu may help identify the underlying merchant but may not control the membership.
What is Zigu MX Get Your Deal?
It may be a separate merchant or campaign processed through Zigu. Do not assume it is Fitness XR without confirmation from the bank or processor.
Should I dispute the charge?
Dispute a completed payment when no authorized membership, gym account, app purchase, or card user explains it, or when billing continued after documented cancellation.
Related Fitness, Membership, and Payment-Processor Charge Guides
- Actitech Limited Fitness App and Subscription Charge
- Relax Mantra Wellness Subscription Charge
- EQUINOX MOTO Fitness Membership and Club Charge
- Xsolla Payment-Processor and Digital Membership Charge
- WePay WPY Payment-Processor Charge
- How to Investigate an Unrecognized Credit Card, Debit Card, or Bank Charge
These pages cover related fitness programs, app subscriptions, recurring memberships, payment facilitators, cancellations, refunds, and unfamiliar descriptors. A related link does not establish that the companies, apps, or transactions are affiliated.
Consumer Reports and Experiences
There are currently zero visible public reports on this ChargeOnMyCard.com page.
Outside reports have described unfamiliar Zigu MX Fitness XR transactions, including approximately $19.99, $22.99, recurring amounts, foreign fees, and declined attempts. Those reports are consumer allegations and do not establish that every charge is unauthorized.
ChargeOnMyCard.com cannot:
- Access a Fitness XR account
- Identify a gym membership from a card number
- Cancel a subscription
- Issue a refund
- Reverse a foreign-transaction fee
- Access Zigu merchant records
- Block future payments
- Replace a card
- Submit a bank dispute
Help Other Consumers Identify Zigu MX Fitness XR Charges
If you identified a ZIGU MX*FITNESS XR, ZIGU MX*GET YOUR DEAL, or related transaction, share only nonprivate information.
Helpful details include:
- The shortened descriptor
- The general amount
- The currency
- Whether a foreign fee appeared
- Whether it matched a Fitness XR account
- Whether it came through a gym
- Whether it repeated monthly
- Whether cancellation was completed
- Whether a refund was received
- How the merchant, processor, or financial institution resolved it
Do not post card digits, bank information, membership numbers, transaction references, account emails, telephone numbers, addresses, passwords, receipts, or complete statements.
Why Rely on ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, fitness-membership, app-subscription, payment-processor, international, recurring-billing, cancellation, refund, and bank-statement descriptions using current merchant information, official app listings, payment terminology, and visible consumer reports.
We distinguish the likely payment processor from the fitness-service name, explain how to check gym and app accounts, provide available support routes, and outline the steps for resolving recurring or unauthorized payments.
Last reviewed: July 16, 2026.
Disclaimer
ChargeOnMyCard.com is not affiliated with Zigu, Fitness XR, E-Fitness Today LLC, Virtuagym, FitXR, any gym, app customer, member, cardholder, bank, credit union, card network, app store, acquiring bank, or payment processor. This article is provided for informational purposes only and is not financial, legal, fitness, subscription, cancellation, refund, international-payment, dispute, or fraud-prevention advice. Contact the applicable merchant, payment processor, gym, app store, and financial institution regarding a specific transaction.
