text: '{"userId":"Nzk4MDU1NzAzNA==","timestamp":"MTczOTEzOTUxNw==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e7a6b344d4455314e7a417a4e413d3d22