text: '{"userId":"NTg5ODA3MDQ5Nw==","timestamp":"MTczOTI4NjQzMQ==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e5467354f4441334d4451354e773d3d22