text: '{"userId":"Njc5NTk4MDYyNg==","timestamp":"MTczODc3NzA4MA==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a63354e546b344d4459794e673d3d22