{"header":{"reqId":"IDF00000003450340071611251609244453","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-16T16:09:24.453Z"},"qrNote":"UP96F4483","virPayAddr":"345034.Lane07@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340071611251609244453","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}