diff --git a/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java b/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java
new file mode 100644
index 0000000..0ca9286
--- /dev/null
+++ b/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java
@@ -0,0 +1,70 @@
+package com.klaro.acquirecore.acquiring.repository;
+
+import com.klaro.acquirecore.acquiring.dto.TxMessage;
+import org.slf4j.Logger;
+import org.slf4j.LoggerFactory;
+import org.springframework.stereotype.Repository;
+
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+
+/**
+ * Stub implementation of TxRepository.
+ * In-memory storage for development/testing.
+ */
+@Repository
+public class TxRepositoryStub implements TxRepository {
+
+    private static final Logger log = LoggerFactory.getLogger(TxRepositoryStub.class);
+
+    private final Map<String, TxMessage> transactions = new ConcurrentHashMap<>();
+    private final Map<String, Boolean> activeMerchants = new ConcurrentHashMap<>();
+    private final Map<String, Boolean> activeTerminals = new ConcurrentHashMap<>();
+
+    public TxRepositoryStub() {
+        // Initialize with test data
+        activeMerchants.put("M001", true);
+        activeMerchants.put("M002", true);
+        activeTerminals.put("M001|T001", true);
+        activeTerminals.put("M001|T002", true);
+        activeTerminals.put("M002|T001", true);
+    }
+
+    @Override
+    public boolean isMerchantActive(String merchantId) {
+        return activeMerchants.getOrDefault(merchantId, true);
+    }
+
+    @Override
+    public boolean isTerminalActive(String merchantId, String terminalId) {
+        return activeTerminals.getOrDefault(merchantId + "|" + terminalId, true);
+    }
+
+    @Override
+    public void saveTransaction(TxMessage msg) {
+        if (msg.getTxId() != null) {
+            transactions.put(msg.getTxId(), msg);
+            log.debug("Saved transaction: {}", msg.getTxId());
+        }
+    }
+
+    @Override
+    public boolean transactionExists(String txId) {
+        return transactions.containsKey(txId);
+    }
+
+    @Override
+    public String getTransactionStatus(String txId) {
+        TxMessage msg = transactions.get(txId);
+        return msg != null ? msg.getStatus() : null;
+    }
+
+    @Override
+    public void updateTransactionStatus(String txId, String status) {
+        TxMessage msg = transactions.get(txId);
+        if (msg != null) {
+            msg.setStatus(status);
+            log.debug("Updated transaction {} status to {}", txId, status);
+        }
+    }
+}