{"header":{"reqId":"IDF00000003450340051511251135088860","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-15T11:35:08.860Z"},"qrNote":"UP73A5720","virPayAddr":"345034.Lane05@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340051511251135088860","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"175.00","curr":"INR"}}