text: '{"userId":"NjU1Nzc5ODUxMQ==","timestamp":"MTczMjcwNDUxMg==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a55314e7a63354f4455784d513d3d22