text: '{"userId":"NjY3NzA2Nzg0OQ==","timestamp":"MTczODIzMDA5MA==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a59334e7a41324e7a67304f513d3d22