{"header":{"reqId":"IDF00000003450340011611251557232273","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-16T15:57:23.273Z"},"qrNote":"UP70AF00","virPayAddr":"345034.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340011611251557232273","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}