{"header":{"reqId":"IDF00000003450350062411251647028853","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-24T16:47:02.853Z"},"qrNote":"AF00","virPayAddr":"345035.Lane06@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350062411251647028853","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"87.50","curr":"INR"}}