{"header":{"reqId":"IDF00000003450350012311251617223330","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-23T16:17:22.330Z"},"qrNote":"UP93BR9119","virPayAddr":"345035.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350012311251617223330","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"87.50","curr":"INR"}}