{"header":{"reqId":"IDF00000003450340072311250051301197","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T00:51:30.197Z"},"qrNote":"MH40CM1180","virPayAddr":"345034.Lane07@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340072311250051301197","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"368.75","curr":"INR"}}