{"header":{"reqId":"IDF00000003450340022211250401219990","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-22T04:01:21.990Z"},"qrNote":"MH04LM8171","virPayAddr":"345034.Lane02@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340022211250401219990","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}