{"header":{"reqId":"IDF00000003450340032311251208421170","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T12:08:42.170Z"},"qrNote":"MP53CA8571","virPayAddr":"345034.Lane03@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340032311251208421170","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}