{"header":{"reqId":"IDF00000003450340021711251921065523","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-17T19:21:06.523Z"},"qrNote":"UP63BA9398","virPayAddr":"345034.Lane02@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340021711251921065523","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}