{"header":{"reqId":"IDF00000003450340042311250807145520","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T08:07:14.520Z"},"qrNote":"MH04ED8954","virPayAddr":"345034.Lane04@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340042311250807145520","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}