{"header":{"reqId":"IDF00000003450340031911251811145573","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-19T18:11:14.573Z"},"qrNote":"UP70AF00","virPayAddr":"345034.Lane03@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340031911251811145573","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}