text: '{"userId":"NjI0ODMxNDM5MQ==","timestamp":"MTczNzk1MDk3Mw==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a49304f444d784e444d354d513d3d22