{"header":{"reqId":"IDF00000003450350062111250934337720","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-21T09:34:33.720Z"},"qrNote":"UP65AR8377","virPayAddr":"345035.Lane06@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350062111250934337720","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"87.50","curr":"INR"}}