{"header":{"reqId":"IDF00000003450350012211251804117727","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-22T18:04:11.727Z"},"qrNote":"AF00","virPayAddr":"345035.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350012211251804117727","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"87.50","curr":"INR"}}