{"header":{"reqId":"IDF00000003450340022311250118096610","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T01:18:09.610Z"},"qrNote":"JH09BG2004","virPayAddr":"345034.Lane02@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340022311250118096610","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"575.00","curr":"INR"}}