Received payment in my smartmoney on May 5, around 4pm. which I requested from coins.ph night of May 4.
For me, coins to smart money is still more convenient and hassle free. Than the cardless atm. I still need to go go to the bank. While in smart money, Its a cash card I dont need to withdraw the funds when I want to buy something in the malls.
It's only my opinion. But if you want to have. Your money instantly then
go for cardless atm option. =)