Defang Payload Javascript

function defangPayload(payload){
    const re = /((([A-Za-z]{3,9}:(?:\/\/)?)(?:[-;:&=\+\$,\w]+@)?[A-Za-z0-9.-]+|(?:www.|[-;:&=\+\$,\w]+@)[A-Za-z0-9.-]+)((?:\/[\+~%\/.\w\-_]*)?\??(?:[-\+=&;%@.\w_]*)#?(?:[\w]*))?)/img;
    const array = [...str.matchAll(re)];
    for (let index = 0; index < array.length; index++) {
        payload = payload.replace(array[index][0], array[index][0].replace(/\./g, "[.]"));
    }
    return payload;
}