text: '{"type":"WALLET_TOP_UP","amount":0.5,"paymentReferenceId":"88e8c6c2-85fe-4582-9d7d-8c4740f22d68"}'
payload: b5ee9c7201010101002200004000000000000000007b2274797065223a2257414c4c45545f544f505f5550222c