{"header":{"reqId":"IDF00000003450340052211251544336653","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-22T15:44:33.653Z"},"qrNote":"UP70EA7620","virPayAddr":"345034.Lane05@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340052211251544336653","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}