{"header":{"reqId":"IDF00000003450340012111251718095570","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-21T17:18:09.570Z"},"qrNote":"UP70HB7999","virPayAddr":"345034.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340012111251718095570","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}