text: '{"userId":"NTM5NTU4Mjc3MQ==","timestamp":"MTczODY3MzM1Mg==","paymentItem":"ZGFpbHlfY2hlY2tpbl90b25fdHhu"}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e544d354e5455344d6a63334d513d3d22