{"header":{"reqId":"IDF00000003450350062011251703099933","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-20T17:03:09.933Z"},"qrNote":"UP63AY8777","virPayAddr":"345035.Lane06@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350062011251703099933","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"43.75","curr":"INR"}}