{"header":{"reqId":"IDF00000003450340012311252304017070","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T23:04:01.070Z"},"qrNote":"UP70V1475","virPayAddr":"345034.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340012311252304017070","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}