Garrett Lehman

Garrett Lehman is the Co-Founder and CTO of Gapp Group, where he oversees the platforms and operations that power the company’s global eCommerce Merchant of Record (MoR) services. He manages the technology stack that keeps Gapp Group’s incentive, loyalty, and eCommerce MoR solutions compliant, secure, and built for growth.

Latest Posts from Garrett Lehman

Merchant of Record

Global Payment Methods: Types, Costs, and How to Choose the Right Mix

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Global payment methods can be defined as the ways a business collects money from buyers abroad and pays suppliers/vendors in other countries. Most US businesses need more than one method. A buyer in Brazil may expect Pix, while a supplier in Germany may only accept a SEPA bank transfer. Each method travels on a payment […]

Merchant of Record

Digital Wallet vs Bank Account: Which One Fits Cross-Border Payments?

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Banks charged an average of 14.99% to send remittances abroad in Q3 2025, based on World Bank price tracking. Money transfer and mobile operators charged far less, and banks were also the slowest provider type in that data. This guide compares a digital wallet vs bank account for international payments. It covers speed, fees, fund […]

Merchant of Record

Global Merchant of Record for Subscription Businesses

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Subscription businesses expanding globally face a core problem: tax rules, payment methods, and billing systems differ by country. A global MoR solves this by becoming the legal seller of record everywhere you sell. It handles tax compliance, local payment methods, and recurring billing under one contract. This guide covers what a global MoR does, the […]

Merchant of Record

Embedded Finance Trends: How Global Sellers Are Rethinking Payment Infrastructure

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Embedded finance is banking, payments, and lending built directly into the platforms sellers already use, no separate provider needed. The new embedded finance trends are pushing this further: faster cross-border settlement, tighter compliance, and automated payment operations. For global sellers, this is the moment payment infrastructure stops being a back-office tool and becomes a growth […]

Merchant of Record

How Virtual IBANs Power Global Merchant of Record Operations

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Businesses collecting payments across multiple countries often end up managing several local bank accounts just to receive money smoothly. Virtual IBANs solve this: one central account can issue unlimited unique IBANs, each automatically routing funds back to a single master account. This guide explains what virtual IBANs are, how they work, and why eCommerce brands […]

Merchant of Record

Omnichannel Payment Processing: A Complete Guide for Global Businesses

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Customers now expect to pay the same way whether they’re checking out in-store, online, or on a mobile app. Omnichannel payment processing makes this possible by unifying every payment channel into a single system, so transactions, customer data, and reporting stay consistent everywhere. For retail and eCommerce businesses selling across multiple channels and markets, it’s […]

Merchant of Record

What Are Virtual Accounts for Payments? A Complete Guide for Global Businesses

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Virtual accounts for payments let businesses collect and manage international payments without opening bank accounts in every country they sell in. Each customer, currency, or market gets a dedicated account number, and payments are automatically matched and routed to one central account. For eCommerce brands selling globally, this simplifies collection, reconciliation, and payouts. This blog […]

Merchant of Record

Global Payment Processing: How It Works, Costs & Benefits

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Selling across borders sounds simple until the money has to move. A customer pays in one currency, the transaction passes through different financial networks, and the business may receive the funds days later in another currency. Each step can affect approval rates, fees, settlement time, and the final amount received. That is where global payment […]

Merchant of Record

Payment Reconciliation: How It Works & Key Benefits

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A payment marked as completed does not always mean the money has reached the right place. Businesses often find discrepancies among payment gateway records, bank statements, and accounting entries when reviewing their transactions. Payment reconciliation helps identify these gaps and ensures every payment is correctly matched. As businesses handle more online transactions, having a clear […]

Merchant of Record

Local Payment Methods & Best Ways to Offer Them

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Most businesses believe getting paid online is easy until customers start abandoning their carts at checkout. The problem is usually not the product or the price. People just don’t like paying through methods they don’t recognize or trust. That is where you need local payment methods. Payment preferences vary significantly across the globe. While some […]

Merchant of Record

What Is eCommerce Infrastructure? Components & Architecture

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Modern digital commerce requires far more than a storefront and payment gateway. As brands expand across multiple regions, platforms, and payment systems, the underlying infrastructure supporting transactions, compliance, and financial reporting becomes increasingly complex. eCommerce infrastructure refers to the systems, integrations, and operational frameworks that power global online commerce. This includes payment processing, tax compliance, […]

Merchant of Record

When Should You Switch to a Merchant of Record?

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Sales tax filings. Fraud disputes. Chargebacks. International compliance. At first, these responsibilities feel manageable. But as an eCommerce business grows, transaction complexity increases faster than most teams expect. Compliance becomes harder to track, risk becomes harder to contain, and expansion introduces legal obligations that basic payment processing cannot solve. You should switch to a Merchant […]