{"header":{"reqId":"IDF00000003450350011811251512206677","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-18T15:12:20.677Z"},"qrNote":"MP17AF00","virPayAddr":"345035.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350011811251512206677","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"43.75","curr":"INR"}}