diff --git a/.forge/BAIS-CI-1783819034-attempt-1.md b/.forge/BAIS-CI-1783819034-attempt-1.md
new file mode 100644
index 0000000..a87424e
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+++ b/.forge/BAIS-CI-1783819034-attempt-1.md
@@ -0,0 +1,3 @@
+# BAIS-CI-1783819034-attempt-1
+
+Forge 이슈 작업 브랜치 `forge/BAIS-CI-1783819034-attempt-1`.
diff --git a/pom.xml b/pom.xml
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index 0000000..500afce
--- /dev/null
+++ b/pom.xml
@@ -0,0 +1,15 @@
+<project xmlns="http://maven.apache.org/POM/4.0.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://maven.apache.org/POM/4.0.0 http://maven.apache.org/xsd/maven-4.0.0.xsd">
+  <modelVersion>4.0.0</modelVersion>
+  <parent>
+    <groupId>org.springframework.boot</groupId>
+    <artifactId>spring-boot-starter-parent</artifactId>
+    <version>3.5.14</version>
+  </parent>
+  <groupId>com.klaro.bais</groupId>
+  <artifactId>bais-platform</artifactId>
+  <version>1.0-SNAPSHOT</version>
+  <packaging>pom</packaging>
+  <modules>
+    <module>services/payments</module>
+  </modules>
+</project>
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diff --git a/services/payments/pom.xml b/services/payments/pom.xml
new file mode 100644
index 0000000..cde3614
--- /dev/null
+++ b/services/payments/pom.xml
@@ -0,0 +1,19 @@
+<project xmlns="http://maven.apache.org/POM/4.0.0" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://maven.apache.org/POM/4.0.0 http://maven.apache.org/xsd/maven-4.0.0.xsd">
+  <modelVersion>4.0.0</modelVersion>
+  <parent>
+    <groupId>com.klaro.bais</groupId>
+    <artifactId>bais-platform</artifactId>
+    <version>1.0-SNAPSHOT</version>
+    <relativePath>../../pom.xml</relativePath>
+  </parent>
+  <groupId>com.klaro.bais</groupId>
+  <artifactId>payments</artifactId>
+  <version>1.0-SNAPSHOT</version>
+  <dependencies>
+    <dependency>
+      <groupId>org.apache.commons</groupId>
+      <artifactId>commons-lang3</artifactId>
+      <version>3.18.0</version>
+    </dependency>
+  </dependencies>
+</project>
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diff --git a/services/payments/src/main/java/com/klaro/bais/payments/PaymentReferenceService.java b/services/payments/src/main/java/com/klaro/bais/payments/PaymentReferenceService.java
new file mode 100644
index 0000000..159a78d
--- /dev/null
+++ b/services/payments/src/main/java/com/klaro/bais/payments/PaymentReferenceService.java
@@ -0,0 +1,9 @@
+package com.klaro.bais.payments;
+
+import org.apache.commons.lang3.StringUtils;
+
+public class PaymentReferenceService {
+    public String normalize(String input) {
+        return StringUtils.trimToEmpty(input);
+    }
+}
diff --git a/services/payments/src/test/java/com/klaro/bais/payments/PaymentReferenceServiceTest.java b/services/payments/src/test/java/com/klaro/bais/payments/PaymentReferenceServiceTest.java
new file mode 100644
index 0000000..b0bdf88
--- /dev/null
+++ b/services/payments/src/test/java/com/klaro/bais/payments/PaymentReferenceServiceTest.java
@@ -0,0 +1,26 @@
+import org.junit.jupiter.api.Test;
+import static org.junit.jupiter.api.Assertions.*;
+
+class PaymentReferenceServiceTest {
+    private final PaymentReferenceService service = new PaymentReferenceService();
+
+    @Test
+    void testNormalize_NullInput() {
+        assertEquals("", service.normalize(null));
+    }
+
+    @Test
+    void testNormalize_EmptyInput() {
+        assertEquals("", service.normalize(""));
+    }
+
+    @Test
+    void testNormalize_WhitespaceInput() {
+        assertEquals("", service.normalize("   "));
+    }
+
+    @Test
+    void testNormalize_RegularStringInput() {
+        assertEquals("Hello, World!", service.normalize("  Hello, World!  "));
+    }
+}
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