{"header":{"reqId":"IDF00000003450340021611250744331153","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-16T07:44:33.153Z"},"qrNote":"MP18ZF4803","virPayAddr":"345034.Lane02@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340021611250744331153","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}