text: '{"userId":"Njk1NDI1NjY3NA==","timestamp":"MTczMjU4MTQzMg==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a6b314e4449314e6a59334e413d3d22