text: '{"userId":"MTA0NTE1MTc1OQ==","timestamp":"MTczMjY0MDg3Mw==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224d5441304e5445314d5463314f513d3d22