{"header":{"reqId":"IDF00000003450340011811252057095563","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-18T20:57:09.563Z"},"qrNote":"UP70EU5715","virPayAddr":"345034.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340011811252057095563","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}