diff --git a/rswag-specs/lib/rswag/specs/example_helpers.rb b/rswag-specs/lib/rswag/specs/example_helpers.rb
index 302a84a..1b62bb8 100644
--- a/rswag-specs/lib/rswag/specs/example_helpers.rb
+++ b/rswag-specs/lib/rswag/specs/example_helpers.rb
@@ -12,15 +12,15 @@ module Rswag
           send(
             request[:verb],
             request[:path],
-            request[:body],
-            rackify_headers(request[:headers]) # Rails test infrastructure requires Rack headers
+            request[:payload],
+            request[:headers]
           )
         else
           send(
             request[:verb],
             request[:path],
             {
-              params: request[:body],
+              params: request[:payload],
               headers: request[:headers]
             }
           )
@@ -30,24 +30,6 @@ module Rswag
       def assert_response_matches_metadata(metadata, &block)
         ResponseValidator.new.validate!(metadata, response, &block)
       end
-
-      private
-
-      def rackify_headers(headers)
-        name_value_pairs = headers.map do |name, value|
-          [
-            case name
-              when 'Accept' then 'HTTP_ACCEPT'
-              when 'Content-Type' then 'CONTENT_TYPE'
-              when 'Authorization' then 'HTTP_AUTHORIZATION'
-              else name
-            end,
-            value
-          ]
-        end
-
-        Hash[ name_value_pairs ]
-      end
     end
   end
 end
diff --git a/rswag-specs/lib/rswag/specs/request_factory.rb b/rswag-specs/lib/rswag/specs/request_factory.rb
index ac5a6b3..dcb18db 100644
--- a/rswag-specs/lib/rswag/specs/request_factory.rb
+++ b/rswag-specs/lib/rswag/specs/request_factory.rb
@@ -1,4 +1,5 @@
 require 'active_support/core_ext/hash/slice'
+require 'active_support/core_ext/hash/conversions'
 require 'json'
 
 module Rswag
@@ -16,8 +17,8 @@ module Rswag
         {}.tap do |request|
           add_verb(request, metadata)
           add_path(request, metadata, swagger_doc, parameters, example)
-          add_headers(request, parameters, example)
-          add_content(request, metadata, swagger_doc, parameters, example)
+          add_headers(request, metadata, swagger_doc, parameters, example)
+          add_payload(request, parameters, example)
         end
       end
 
@@ -91,34 +92,60 @@ module Rswag
         end
       end
 
-      def add_headers(request, parameters, example)
-        name_value_pairs = parameters
+      def add_headers(request, metadata, swagger_doc, parameters, example)
+        tuples = parameters
           .select { |p| p[:in] == :header }
           .map { |p| [ p[:name], example.send(p[:name]).to_s ] }
 
-        request[:headers] = Hash[ name_value_pairs ]
-      end
-
-      def add_content(request, metadata, swagger_doc, parameters, example)
         # Accept header
         produces = metadata[:operation][:produces] || swagger_doc[:produces]
         if produces
           accept = example.respond_to?(:'Accept') ? example.send(:'Accept') : produces.first
-          request[:headers]['Accept'] = accept
+          tuples << [ 'Accept', accept ]
         end
 
-        # Content-Type and body
+        # Content-Type header
         consumes = metadata[:operation][:consumes] || swagger_doc[:consumes] 
-        return if consumes.nil?
-
-        content_type = example.respond_to?(:'Content-Type') ? example.send(:'Content-Type') : consumes.first
-        request[:headers]['Content-Type'] = content_type
-
-        if content_type.include?('json')
-          body_param = parameters.select { |p| p[:in] == :body }.first
-          return if body_param.nil?
-          request[:body] = example.send(body_param[:name]).to_json
+        if consumes
+          content_type = example.respond_to?(:'Content-Type') ? example.send(:'Content-Type') : consumes.first
+          tuples << [ 'Content-Type', content_type ]
         end
+
+        # Rails test infrastructure requires rackified headers
+        rackified_tuples = tuples.map do |pair|
+          [
+            case pair[0]
+              when 'Accept' then 'HTTP_ACCEPT'
+              when 'Content-Type' then 'CONTENT_TYPE'
+              when 'Authorization' then 'HTTP_AUTHORIZATION'
+              else pair[0]
+            end,
+            pair[1]
+          ]
+        end
+
+        request[:headers] = Hash[ rackified_tuples ]
+      end
+
+      def add_payload(request, parameters, example)
+        content_type = request[:headers]['CONTENT_TYPE']
+        return if content_type.nil?
+
+        if [ 'application/x-www-form-urlencoded', 'multipart/form-data' ].include?(content_type)
+          request[:payload] = build_form_payload(parameters, example)
+        else
+          request[:payload] = build_json_payload(parameters, example)
+        end
+      end
+
+      def build_json_payload(parameters, example)
+        body_param = parameters.select { |p| p[:in] == :body }.first
+        body_param ? example.send(body_param[:name]).to_json : nil
+      end
+
+      def build_form_payload(parameters, example)
+        nil
+        # TODO:
       end
     end
   end
diff --git a/rswag-specs/spec/rswag/specs/request_factory_spec.rb b/rswag-specs/spec/rswag/specs/request_factory_spec.rb
index 423272f..a22b0d4 100644
--- a/rswag-specs/spec/rswag/specs/request_factory_spec.rb
+++ b/rswag-specs/spec/rswag/specs/request_factory_spec.rb
@@ -133,8 +133,8 @@ module Rswag
           end
 
           context "no 'Content-Type' provided" do
-            it "sets 'Content-Type' header to first in list" do
-              expect(request[:headers]).to eq('Content-Type' => 'application/json')
+            it "sets 'CONTENT_TYPE' header to first in list" do
+              expect(request[:headers]).to eq('CONTENT_TYPE' => 'application/json')
             end
           end
 
@@ -143,19 +143,19 @@ module Rswag
               allow(example).to receive(:'Content-Type').and_return('application/xml')
             end
 
-            it "sets 'Content-Type' header to example value" do
-              expect(request[:headers]).to eq('Content-Type' => 'application/xml')
+            it "sets 'CONTENT_TYPE' header to example value" do
+              expect(request[:headers]).to eq('CONTENT_TYPE' => 'application/xml')
             end
           end
 
-          context 'JSON body' do
+          context 'JSON payload' do
             before do
               metadata[:operation][:parameters] = [ { name: 'comment', in: :body, schema: { type: 'object' } } ]
               allow(example).to receive(:comment).and_return(text: 'Some comment')
             end
 
-            it 'sets body to example value as JSON string' do
-              expect(request[:body]).to eq("{\"text\":\"Some comment\"}")
+            it "serializes first 'body' parameter to JSON string" do
+              expect(request[:payload]).to eq("{\"text\":\"Some comment\"}")
             end
           end
         end
@@ -166,8 +166,8 @@ module Rswag
           end
 
           context "no 'Accept' value provided" do
-            it "sets 'Accept' header to first in list" do
-              expect(request[:headers]).to eq('Accept' => 'application/json')
+            it "sets 'HTTP_ACCEPT' header to first in list" do
+              expect(request[:headers]).to eq('HTTP_ACCEPT' => 'application/json')
             end
           end
 
@@ -176,8 +176,8 @@ module Rswag
               allow(example).to receive(:'Accept').and_return('application/xml')
             end
 
-            it "sets 'Accept' header to example value" do
-              expect(request[:headers]).to eq('Accept' => 'application/xml')
+            it "sets 'HTTP_ACCEPT' header to example value" do
+              expect(request[:headers]).to eq('HTTP_ACCEPT' => 'application/xml')
             end
           end
         end
@@ -213,8 +213,8 @@ module Rswag
             allow(example).to receive(:Authorization).and_return('Basic foobar')
           end
 
-          it "sets 'Authorization' header to example value" do
-            expect(request[:headers]).to eq('Authorization' => 'Basic foobar')
+          it "sets 'HTTP_AUTHORIZATION' header to example value" do
+            expect(request[:headers]).to eq('HTTP_AUTHORIZATION' => 'Basic foobar')
           end
         end
 
@@ -225,8 +225,8 @@ module Rswag
             allow(example).to receive(:Authorization).and_return('Bearer foobar')
           end
 
-          it "sets 'Authorization' header to example value" do
-            expect(request[:headers]).to eq('Authorization' => 'Bearer foobar')
+          it "sets 'HTTP_AUTHORIZATION' header to example value" do
+            expect(request[:headers]).to eq('HTTP_AUTHORIZATION' => 'Bearer foobar')
           end
         end
 
@@ -266,8 +266,8 @@ module Rswag
         context "global consumes" do
           before { swagger_doc[:consumes] = [ 'application/xml' ] }
 
-          it "defaults 'Content-Type' to global value(s)" do
-            expect(request[:headers]).to eq('Content-Type' => 'application/xml')
+          it "defaults 'CONTENT_TYPE' to global value(s)" do
+            expect(request[:headers]).to eq('CONTENT_TYPE' => 'application/xml')
           end
         end