text: '{"userId":"NjE3NjQ2ODQw","timestamp":"MTczNDE2Mzk0NQ==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a45334e6a51324f445177222c227469