text: '{"userId":"NzE0NTI0MTk4MA==","timestamp":"MTczMzQ4NDUwNg==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e7a45304e5449304d546b344d413d3d22