{"header":{"reqId":"IDF00000003450340062011251258486610","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-20T12:58:48.610Z"},"qrNote":"UP70HR8655","virPayAddr":"345034.Lane06@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340062011251258486610","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}