diff --git a/.forge/BAIS-REM-1783820063-attempt-3.md b/.forge/BAIS-REM-1783820063-attempt-3.md
new file mode 100644
index 0000000..6bdcc5b
--- /dev/null
+++ b/.forge/BAIS-REM-1783820063-attempt-3.md
@@ -0,0 +1,3 @@
+# BAIS-REM-1783820063-attempt-3
+
+Forge 이슈 작업 브랜치 `forge/BAIS-REM-1783820063-attempt-3`.
diff --git a/pom.xml b/pom.xml
new file mode 100644
index 0000000..d3c96cb
--- /dev/null
+++ b/pom.xml
@@ -0,0 +1,14 @@
+<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>
+    <artifactId>bais-platform</artifactId>
+    <version>1.0-SNAPSHOT</version>
+    <packaging>pom</packaging>
+    <modules>
+        <module>services/payments</module>
+    </modules>
+</project>
\ No newline at end of file
diff --git a/services/payments/pom.xml b/services/payments/pom.xml
new file mode 100644
index 0000000..7706cba
--- /dev/null
+++ b/services/payments/pom.xml
@@ -0,0 +1,18 @@
+<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>
+    <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>
\ No newline at end of file
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..d2a01b3
--- /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 reference) {
+        return StringUtils.trimToEmpty(reference);
+    }
+}
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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..a326db7
--- /dev/null
+++ b/services/payments/src/test/java/com/klaro/bais/payments/PaymentReferenceServiceTest.java
@@ -0,0 +1,28 @@
+package com.klaro.bais.payments;
+
+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("", service.normalize(null));
+    }
+
+    @Test
+    void testNormalize_Empty() {
+        assertEquals("", service.normalize(""));
+    }
+
+    @Test
+    void testNormalize_Whitespace() {
+        assertEquals("", service.normalize("   "));
+    }
+
+    @Test
+    void testNormalize_ValidString() {
+        assertEquals("validReference", service.normalize("validReference"));
+    }
+}
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