text: '{"userId":"MTQ1ODkzOTI3NA==","timestamp":"MTczMzQzNDI2OA==","paymentItem":"cGdfcG9pbnRzX3g1X3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224d5451314f446b7a4f5449334e413d3d22