{"header":{"reqId":"IDF00000003450340082111252002304473","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-21T20:02:30.473Z"},"qrNote":"UP53EF1382","virPayAddr":"345034.Lane08@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340082111252002304473","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}