<?xml version="1.0" encoding="UTF-8"?>
<upi:ReqValQr xmlns:upi="http://npci.org/upi/schema/">
  <Head ver="2.0" ts="2025-08-12T10:30:00+05:30" orgId="NPCI" msgId="VAL123456789012345678901234567890123"/>
  <Txn id="TXN123456789012345678901234567890123" note="QR validation for international merchant" refId="REF123" refUrl="" ts="2025-08-12T10:30:00+05:30" type="IntlQr" initiationMode="QR" purpose="00" custRef="123456789012"/>
  <Payer addr="user@demo-bank" name="Test User" seqNum="1" type="PERSON" code="0000">
    <Institution QrPayLoad="upi://pay?pa=merchant@mercury&amp;pn=International%20Test%20Merchant&amp;am=100.00&amp;cu=SGD&amp;mc=5411" netInstId="MERCURY001" baseCurr="SGD"/>
  </Payer>
</upi:ReqValQr>
