{"header":{"reqId":"IDF00000003450340072311251705177700","userId":"MID345034","version":"01","clientID":"TID345034Lane01","channel":"MOB","timestamp":"2025-11-23T17:05:17.700Z"},"qrNote":"AF00","virPayAddr":"345034.Lane07@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450340072311251705177700","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"106.25","curr":"INR"}}