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

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 reference) {
+        return StringUtils.trimToEmpty(reference);
+    }
+}