BAIS payments 멀티모듈 최소 구현 (BAIS-REM-1783820063)

services/payments/src/test/java/com/klaro/bais/payments/PaymentReferenceServiceTest.java

@@ -0,0 +1,10 @@
+import org.junit.jupiter.api.Test;
+import static org.junit.jupiter.api.Assertions.*;
+
+class PaymentReferenceServiceTest {
+
+    private final PaymentReferenceService service = new PaymentReferenceService();
+
+    @Test
+    void testNormalize_Null() {
+        assertEquals("",