QM Master FAQ - Complete<\/title>\r\n \r\n <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:wght@400;700&display=swap\" rel=\"stylesheet\">\r\n <link href=\"https:\/\/stackpath.bootstrapcdn.com\/bootstrap\/3.4.1\/css\/bootstrap.min.css\" rel=\"stylesheet\">\r\n <link href=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/font-awesome\/6.0.0-beta3\/css\/all.min.css\" rel=\"stylesheet\">\r\n <style>\r\n \/* Header font for all FAQ text *\/\r\n body, .faq-wrapper, .faq-sidebar h4, .faq-nav li a,\r\n #faqSearch, h4, .accordion-header, .accordion-content {\r\n font-family: 'Playfair Display', serif;\r\n }\r\n body { background: #fafafa; font-size: 16px; line-height: 1.7; }\r\n .faq-wrapper { max-width: 1200px; margin: 0 auto; padding: 30px 15px; }\r\n .faq-sidebar { border: 1px solid #ccc; border-radius: 8px; padding: 20px; margin-bottom: 30px; }\r\n .faq-sidebar h4 { margin: 0 0 15px; }\r\n .faq-nav { list-style: none; padding: 0; margin: 0; }\r\n .faq-nav li a { display: block; background: #f9f9f9; padding: 12px; border-radius: 8px; margin-bottom: 8px; color: #444; text-decoration: none; transition: background 0.3s; }\r\n .faq-nav li a:hover, .faq-nav li a.active { background: #dbaa55; color: #000; font-weight: bold; }\r\n h4 { margin: 40px 0 20px; font-size: 22px; font-weight: bold; color: #000; }\r\n .accordion-item { background: #dbaa55; border-radius: 20px; margin-bottom: 20px; overflow: hidden; box-shadow: 0 2px 6px rgba(0,0,0,0.1); }\r\n .accordion-header { padding: 20px; cursor: pointer; font-size: 18px; display: flex; justify-content: space-between; align-items: center; }\r\n .accordion-header i { transition: transform 0.3s ease; }\r\n .accordion-content { display: none; padding: 24px; background: #fff; color: #333; border-radius: 0 0 20px 20px; box-shadow: inset 0 1px 5px rgba(0,0,0,0.05); }\r\n .accordion-item.active .accordion-content { display: block; }\r\n .accordion-item.active .accordion-header i { transform: rotate(90deg); }\r\n #toTopBtn { position: fixed; bottom: 30px; right: 30px; background: #dbaa55; color: #fff; border: none; padding: 10px 16px; border-radius: 4px; display: none; cursor: pointer; }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n\r\n<div class=\"faq-wrapper\">\r\n<div class=\"row\">\r\n\r\n\r\n<div class=\"col-md-3\">\r\n <div class=\"faq-sidebar\">\r\n <h4>Categories<\/h4>\r\n <ul class=\"faq-nav\">\r\n <li><a href=\"#general\">General Information<\/a><\/li>\r\n <li><a href=\"#getting-started\">Getting Started<\/a><\/li>\r\n <li><a href=\"#wallet\">Wallet Usage<\/a><\/li>\r\n <li><a href=\"#transactions\">Transactions<\/a><\/li>\r\n <li><a href=\"#limits\">Transaction Limits<\/a><\/li>\r\n <li><a href=\"#security\">Security & Privacy<\/a><\/li>\r\n <li><a href=\"#fees\">Fees & Charges<\/a><\/li>\r\n <li><a href=\"#disputes\">Dispute Resolution<\/a><\/li>\r\n <li><a href=\"#updates\">Amendments & Updates<\/a><\/li>\r\n <li><a href=\"#account\">Account Maintenance<\/a><\/li>\r\n <li><a href=\"#contact\">\u8054\u7cfb\u6211\u4eec<\/a><\/li>\r\n <\/ul>\r\n <\/div>\r\n<\/div>\r\n\r\n\r\n<div class=\"col-md-9\">\r\n <input id=\"faqSearch\" class=\"form-control\" placeholder=\"Search FAQ...\" style=\"margin-bottom:20px;\">\r\n\r\n \r\n <h4 id=\"general\">A. General Information<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 1. What is the QM Master and Services?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n The QM Master is a reloadable prepaid card offered in collaboration with BBG Global Pte. Ltd., providing users with the flexibility to use it in over 60 countries for secure and convenient transactions, backed by advanced security measures.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 2. Who manages the QM Master & Services?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n The QM Master and its services, including digital infrastructure and fund management, are provided by MatchMove Pte. Ltd., a licensed financial institution regulated by the Monetary Authority of Singapore (MAS).\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 3. What is the relationship between QMB, BBG, and MatchMove?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Quantum Metal Bullion (QMB) collaborates with BBG Global Pte. Ltd. (BBG) and MatchMove Pay Pte. Ltd. (MatchMove) to deliver the QMB Master program. BBG provides the BBG Banking Operating System (BBGBOS), enabling secure functionalities such as peer-to-peer (P2P) transfers and MasterCard-enabled payments. MatchMove, a licensed financial institution regulated by MAS, manages QM Wallet operations, including customer account management, card issuance, and compliance.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"getting-started\">B. GETTING STARTED WITH QM MASTER<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 4. How can I sign up for the QM Master?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Complete the QM Master Registration and Physical Card Application. Once submitted, a temporary password and PIN will be sent to your email after verification. Download the QM Master app from Google Play Store or the Apple App Store. Launch the app and sign in using the credentials provided. Follow the instructions to complete the registration. To activate your account, submit the required identification documents for verification. This is necessary to comply with legal and regulatory requirements.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 5. What documents do I need to complete my registration?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n <ul style=\"list-style: disc; padding-left: 20px;\">\r\n <li style=\"padding-left: 10px; text-indent: -10px;\">\r\n <strong>NRIC\/Passport<\/strong> \u2013 A clear photo of your identity card (IC) or passport (front cover).\r\n <\/li>\r\n <li style=\"padding-left: 10px; text-indent: -10px;\">\r\n <strong>Email Address<\/strong> \u2013 A valid email for verification and communication.\r\n <\/li>\r\n <li style=\"padding-left: 10px; text-indent: -10px;\">\r\n <strong>Mobile Number<\/strong> \u2013 A registered number for customer service contact. Each NRIC, email, and mobile number must be unique and cannot be used for multiple registrations.\r\n <\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 6. Are there any fees associated with the QM Master?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, fees apply for services such as registration, top-ups, foreign transactions, and withdrawals. These are detailed in the Fees and Charges section of the Terms & Conditions and may be updated periodically.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"wallet\">C. USING THE QM MASTER WITH MULTI-CURRENCY WALLET<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 7. Can I top up my wallet in different currencies?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n No, the wallet only accepts top-ups in the local currency of the wallet\u2019s country of issuance. For transactions in other currencies, the amount will be converted to the local currency at the exchange rate applied at the time of the transaction. If the wallet has a multi-currency feature, payments will first be deducted from the matching currency balance (if available). If the balance is insufficient, the remaining amount will be converted and settled in SGD. Applicable fees\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"transactions\">D. TRANSACTION-RELATED<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 8. How do I make a payment using my QM Master?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n You can use the QM Master for purchases online, in-store, and internationally wherever MasterCard is accepted. Simply swipe, tap, or enter your card details as needed.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 9. Can I use my QM Master for online purchases?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, but always ensure you are transacting on secure and reputable websites.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 10. Can the virtual card be used for Google Play and Apple Pay?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n The virtual card currently supports Google Pay only.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 11. Are cash withdrawals allowed?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, cash withdrawals are permitted at ATMs displaying the MasterCard logo subject to terms and conditions. However, no ATM withdrawal allowed in Singapore. Standard ATM withdrawals fees apply and are listed in the Fees and Charges section on our website.\r\n <\/div>\r\n <\/div>\r\n \r\n <h4 id=\"limits\">E. TRANSACTION LIMITS AND RESTRICTIONS<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 12. Are there any restrictions on card usage?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, the card cannot be used for prohibited transactions, including illegal online gaming, high-risk transactions, and any activities restricted by applicable laws or regulations.\r\n <\/div>\r\n <\/div>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 13. Can I change my transaction limits?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n No, transaction limits are set in compliance with regulatory requirements and cannot be modified. However, you can manage daily spending limits through the QM mobile app.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"security\">F. SECURITY AND PRIVACY<\/h4>\r\n \r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 14. What is KYC failure, and what are the possible reasons for rejection?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n KYC failure happens when identity verification does not meet requirements. Common reasons for rejection include, Unclear or Incomplete Documents, Invalid Proof of Address (POA) , Inconsistent or Blurry Photo\/Selfie, Expired Documents, Mismatched Information.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 15. How does QMB protect my data?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n We implement advanced security protocols, including data encryption and regular monitoring, to protect your information. Only authorized users can access secure sections of the QMB website and Wallet.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 16. What should I do if I suspect unauthorized access to my account?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Contact us immediately if you suspect any unauthorized transactions. You may also need to file a police report to support the claims investigation.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 17. Is my transaction information secure?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n While we take extensive measures to secure transactions, we cannot guarantee absolute security for information transmitted over the internet or via SMS. Users are advised to use secure devices and regularly monitor account notifications.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"fees\">G. FEES AND CHARGES<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 18. Are there any processing fees for refunds?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, a processing fee applies for each refund request. If your balance does not cover the refund processing fee, the request cannot be processed.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 19. Are the fees refundable?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n No, all fees, including annual fees, are non-refundable, even if services are terminated or if you cancel your account before expiry.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 20. Will there be additional taxes or charges?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, fees are exclusive of taxes or duties imposed by government agencies or financial institutions. Any applicable withholding taxes should be deducted before transferring the remaining balance.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"disputes\">H. DISPUTE RESOLUTION<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 21. How do I resolve disputes regarding unauthorized transactions?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n You must submit a claim and may be required to provide a police report. Investigations take:\r\n <ul style=\"list-style: disc; padding-left: 20px;\">\r\n <li style=\"padding-left: 10px; text-indent: -10px;\">\r\n <strong>21 business days for straightforward cases.<\/strong>\r\n <\/li>\r\n <li style=\"padding-left: 10px; text-indent: -10px;\">\r\n <strong>45 business days for complex cases.<\/strong>\r\n <\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 22. What is the process for handling erroneous transactions?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n If you mistakenly transfer funds to an incorrect recipient, notify us immediately. We will attempt to recover the funds, but recovery cannot be guaranteed.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 23. Can I challenge the outcome of a claim?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, if you disagree with our findings, you may pursue alternative dispute resolution, including mediation via the Financial Industry Disputes Resolution Centre (FIDReC).\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"updates\">I. AMENDMENTS AND UPDATES<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 24. Can QMB modify or terminate services without notice?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, in compliance with regulatory changes or at our discretion, we may amend or discontinue any part of our services. If termination occurs, you must settle any outstanding liabilities.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"account\">J. ACCOUNT MAINTENANCE<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 25. How can I check my balance?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n You can view your balance through the QM Master app, which displays your available balance and recent transactions.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 26. What should I do if I lose my QM Master Card?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Please freeze the card immediately on the QM Master app to prevent unauthorized use. Contact customer support immediately to block your card. A replacement card can be issued upon request, subject to applicable fees.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 27. Would my balance on the card be recovered if I lose my card?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n If you report your QM MasterCard as lost or stolen immediately and transfer your card balance to your wallet account, your balance will remain secure in your wallet account. However, if any unauthorized transactions occur before the loss is reported, you may be liable for those transactions, as per the terms and conditions. You must notify customer support as soon as possible and may be required to provide a police report in cases of theft. The issuance of a replacement card is subject to verification and applicable fees. Please refer to the terms and conditions for further details on unauthorized transactions and liability.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 28. Can I freeze or unfreeze my card temporarily?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n Yes, you can freeze or unfreeze your card using the QM Master app for added security in case you misplace it.\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 29. How do I update my personal information?\r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n To update your contact details or other personal information, log in to your account on the QM Master app and access the \u201cAccount\u201d to make changes. Certain updates may require verification.\r\n <\/div>\r\n <\/div>\r\n\r\n <h4 id=\"contact\">K. CONTACT US<\/h4>\r\n\r\n <div class=\"accordion-item\">\r\n <div class=\"accordion-header\">\r\n 30. How can I contact Customer Support? \r\n <i class=\"fas fa-chevron-right\"><\/i>\r\n <\/div>\r\n <div class=\"accordion-content\">\r\n For questions, assistance, or claims, please reach out to our customer service at +6011 6161 8000 or email us at mcsupport@qmbullion.com.au.\r\n <\/div>\r\n <\/div>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n<script src=\"https:\/\/code.jquery.com\/jquery-1.12.4.min.js\"><\/script>\r\n<script src=\"https:\/\/stackpath.bootstrapcdn.com\/bootstrap\/3.4.1\/js\/bootstrap.min.js\"><\/script>\r\n<script>\r\n \/\/ Sidebar scroll & active state\r\n $('.faq-nav a').click(function(e){ e.preventDefault(); $('.faq-nav a').removeClass('active'); $(this).addClass('active'); var target = $($(this).attr('href')); $('html,body').animate({scrollTop: target.offset().top-20},400); });\r\n \/\/ Search filter on questions & answers\r\n $('#faqSearch').on('keyup', function(){ var v=$(this).val().toLowerCase(); $('.accordion-item').each(function(){ var q=$(this).find('.accordion-header').text().toLowerCase(); 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}\r\n .explore-details summary::marker { display: none; }\r\n .explore-details summary::before {\r\n content: '\u25b6';\r\n display: inline-block;\r\n width: 1em;\r\n margin-right: 0.5em;\r\n transform: rotate(0deg);\r\n transition: transform 0.2s;\r\n }\r\n .explore-details[open] summary::before {\r\n transform: rotate(90deg);\r\n }\r\n\r\n \/* keep items on one line *\/\r\n .explore-details ul {\r\n list-style: disc;\r\n margin: 8px 0 0 1.5em;\r\n padding: 0;\r\n font-size: 16px;\r\n }\r\n .explore-details li {\r\n margin: 6px 0;\r\n }\r\n .explore-details a {\r\n color: #C9A86E;\r\n text-decoration: none;\r\n font-weight: bold;\r\n white-space: nowrap; \/* <-- no wrapping *\/\r\n }\r\n .explore-details a:hover {\r\n text-decoration: underline;\r\n }\r\n\r\n .explore-details a.current {\r\n color: #888 !important;\r\n pointer-events: none;\r\n cursor: default;\r\n text-decoration: none;\r\n }\r\n <\/style>\r\n<\/head>\r\n<body>\r\n\r\n <details class=\"explore-details\">\r\n <summary>Explore More<\/summary>\r\n <ul>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmasteruserguidedp\/\">How to Top-Up GSA to QM Master<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmasterregister\/\">How to Register for the QM Master App<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmastergpay\/\">GPay Binding: Step-by-Step Guide<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmastercardactivate\/\">How to Activate Your QM Master Physical Card<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmasterfaq\/\">Frequently Asked Questions (FAQ)<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmasterguideusdt\/\">QM Master Card \u2013 USDT User Guide<\/a><\/li>\r\n <li><a href=\"https:\/\/qmbullion.com.au\/zh\/terms\/qmmaster\/\">QM Master Terms and Conditions<\/a><\/li>\r\n <\/ul>\r\n <\/details>\r\n\r\n <script>\r\n (function markCurrentLink() {\r\n const current = window.location.pathname.replace(\/\\\/$\/, '');\r\n document.querySelectorAll('.explore-details a').forEach(a => {\r\n if (new URL(a.href).pathname.replace(\/\\\/$\/, '') === current) {\r\n a.classList.add('current');\r\n }\r\n });\r\n })();\r\n <\/script>\r\n\r\n<\/body>\r\n<\/html>\r\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c79258 elementor-widget elementor-widget-html\" data-id=\"8c79258\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\r\n \/* Background SHINE *\/\r\n @keyframes darkGoldShine {\r\n 0%,100% { background-position: 0% 50%; }\r\n 50% { background-position: 100% 50%; }\r\n }\r\n\r\n \/* TEXT SHINE *\/\r\n @keyframes textShine {\r\n 0%,100% { color: #FFD700; text-shadow: none; }\r\n 50% { color: #FFFFFF; text-shadow: 0 0 8px #FFFFFF; }\r\n }\r\n\r\n #backToTop {\r\n position: fixed !important;\r\n bottom: 80px !important;\r\n right: 20px !important;\r\n display: none;\r\n padding: 12px 16px !important;\r\n font-size: 14px !important;\r\n font-weight: bold !important;\r\n color: #FFD700 !important; \/* bright gold text by default *\/\r\n background: linear-gradient(\r\n 135deg,\r\n #8b6700 0%,\r\n #e0c150 50%,\r\n #8b6700 100%\r\n ) !important;\r\n background-size: 200% 200% !important;\r\n border: none !important;\r\n border-radius: 4px !important;\r\n box-shadow: 0 4px 14px rgba(0,0,0,0.4) !important;\r\n z-index: 99999 !important;\r\n cursor: pointer !important;\r\n animation: darkGoldShine 3s ease-in-out infinite !important;\r\n transition: transform 0.2s ease-out !important;\r\n }\r\n\r\n #backToTop:hover {\r\n transform: translateY(-2px) !important;\r\n background: linear-gradient(\r\n 135deg,\r\n #755500 0%,\r\n #c9a840 50%,\r\n #755500 100%\r\n ) !important;\r\n \/* combine background SHINE with continuous TEXT SHINE *\/\r\n animation:\r\n darkGoldShine 3s ease-in-out infinite,\r\n textShine 1.5s ease-in-out infinite !important;\r\n }\r\n<\/style>\r\n\r\n<button id=\"backToTop\" title=\"Back to Top\">\u2191 Top<\/button>\r\n\r\n<script>\r\n (function() {\r\n const btn = document.getElementById('backToTop');\r\n window.addEventListener('scroll', () => {\r\n btn.style.display = window.scrollY > 200 ? 'block' : 'none';\r\n });\r\n btn.addEventListener('click', () => {\r\n window.scrollTo({ top: 0, behavior: 'smooth' });\r\n });\r\n })();\r\n<\/script>\r\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>QM MasterCard – Frequently Asked Questions (FAQ) QM Master FAQ – Complete Categories General Information Getting Started Wallet Usage Transactions Transaction Limits Security & Privacy Fees & Charges Dispute Resolution Amendments & Updates Account Maintenance Contact Us A. General Information 1. What is the QM Master and Services? The QM Master is a reloadable prepaid…<\/p>","protected":false},"author":2,"featured_media":0,"parent":16902,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-18517","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/pages\/18517"}],"collection":[{"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/comments?post=18517"}],"version-history":[{"count":0,"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/pages\/18517\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/pages\/16902"}],"wp:attachment":[{"href":"https:\/\/qmbullion.com.au\/zh\/wp-json\/wp\/v2\/media?parent=18517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}