{"header":{"reqId":"IDF00000003450340051511251137099903","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-15T11:37:09.903Z"},"qrNote":"UP70KT7515","virPayAddr":"345034.Lane05@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340051511251137099903","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"175.00","curr":"INR"}}