{"header":{"reqId":"IDF00000003450340032311250144352207","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T01:44:35.207Z"},"qrNote":"DL2CAR1257","virPayAddr":"345034.Lane03@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340032311250144352207","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}