{"header":{"reqId":"IDF00000003450350012511251325225593","userId":"MID345035","version":"01","clientID":"TID345035Lane01","channel":"MOB","timestamp":"2025-11-25T13:25:22.593Z"},"qrNote":"PB13AR6790","virPayAddr":"345035.Lane01@idfcbank","qrInitiationMode":"15","qrRefId":"IDF00000003450350012511251325225593","qrRefUrl":"https://referenceurl.net","qrRefCategory":"04","amount":{"value":"462.50","curr":"INR"}}