According to the SWA Admin, it takes 7 banking days to process your SWA Payout Request if your Payout Detail shows SMART Money.
Please note that for Smart Money, your 16-digit card number is required (NOT your Smart cellphone number).
Here are some tips for you...
How to Apply for a SMART Money Card
How to Use SMART Money Like An ATM Card
SMART Money Padala Rates
Don't be surprised if the SWA Admin deducts the transaction fee (around 0.5 percent) from your SWA Payout request.
SMART Money Rates and Transaction Limits