{"header":{"reqId":"IDF00000003450340031911251034045560","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-19T10:34:04.560Z"},"qrNote":"MP04ED9376","virPayAddr":"345034.Lane03@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340031911251034045560","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}