text: '{"userId":"NjAwODgwMTQwMA==","timestamp":"MTczMjY3NTUzNw==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a41774f4467774d5451774d413d3d22