{"header":{"reqId":"IDF00000003450340012211252329546690","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-22T23:29:54.690Z"},"qrNote":"UP78GL3315","virPayAddr":"345034.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340012211252329546690","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}