text: '{"userId":"NzMwMzU5NTg1NQ==","timestamp":"MTczMjY3MzAwNw==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e7a4d774d7a55354e5467314e513d3d22