text: '{"userId":"NjU5MDc1NzA4Mg==","timestamp":"MTczMzI3NTg1Mg==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e6a55354d4463314e7a41344d673d3d22