{"header":{"reqId":"IDF00000003450350012211251208319977","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-22T12:08:31.977Z"},"qrNote":"KA51B0881","virPayAddr":"345035.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350012211251208319977","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"318.75","curr":"INR"}}