text: '{"userId":"Nzk0NTEzODMyOA==","timestamp":"MTc0MTI5MjY5OA==","paymentItem":"YmF0dGxlX3Bhc3M="}'
payload: b5ee9c72010101010022000040000000007b22757365724964223a224e7a6b304e54457a4f444d794f413d3d22