{"header":{"reqId":"IDF00000003450350062311251000263030","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-23T10:00:26.030Z"},"qrNote":"UP65EN7071","virPayAddr":"345035.Lane06@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350062311251000263030","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"87.50","curr":"INR"}}