To add a payment with the Smart Savings feature:
First, open your Qoins app. Then click the blue “Add New Payment” button. Select your debt account (where payments are sent to) and then choose your contribution method.
Once you have clicked to use Smart Savings, you will be asked to select a preference level; you can always change this at any time.
Once you have done so, you’ll be all set to go! You will begin seeing activity soon.