What is BagelPay

BagelPay is your comprehensive solution for managing all aspects of global payment processing. We are a Merchant of Record handling end to end global payments for digital products.

Whether you’re selling one-time payment products or offering subscription products, BagelPay provides a seamless platform to help you handle manage products, handle transactions and ensure compliance—all from one easy-to-use dashboard.

BagelPay is the payment partner you always deserved, we strive for simplicity and straightforwardness on our APIs.

The core difference between BagelPay and Others (Stripe, PayPal, etc.)

When it comes to processing payments globally, digital businesses and SaaS companies are often torn between two models:

  • Merchant of Record (MoR)

  • Payment Gateway (PG)

At BagelPay, we believe in simplifying global payments while taking care of compliance, taxes, and local laws — and that’s why we operate as a Merchant of Record.

This table compares the MoR model with the traditional Payment Gateway approach, helping you understand the advantages BagelPay brings to your business.

Feature
MoR (BagelPay)
Payment Gateway (Traditional PG)

Legal Seller

BagelPay (MoR)

Your Company

Tax Collection & Remittance

Handled by BagelPay

You are responsible

Compliance & Regulatory Burden

BagelPay assumes liability

You handle local laws and chargebacks

Settlement Currency

USD, EUR, INR, and 25+ others supported

Depends on your merchant account

Risk Management

Built-in fraud and chargeback protection

You set up your own tools (e.g. Stripe Radar)

Payouts

Aggregated and simplified global payouts

Direct from PG to you, with bank setup

With BagelPay as MoR, we become the legal seller to your customers, allowing you to:

  • Skip setting up local entities

  • Avoid handling VAT, GST, or sales tax

  • Offer more payment methods (include visa/master card, local wallet, etc.) globally

  • Reduce legal risk

  • Launch faster in new markets

Imagine selling a digital subscription to a user in France. With BagelPay, we collect the payment, file VAT with French authorities, and send you the net revenue. No tax headaches. No lawyers. Just growth.

Additionally, the MoR model simplifies your entire back office. As your MoR, BagelPay handles PCI compliance, fraud detection, currency conversion, and even customer billing support, freeing your team to focus on product and growth.

Below is a visual comparison between BagelPay and traditional PG.

Payment model
Revenue Flow

Payment Gateway

Customer → Your Website → PG (e.g. Stripe) → Your Bank → You handle tax, support, refunds, fraud

Merchant of Record (BagelPay)

Customer → BagelPay Checkout → BagelPay Payments → Your Wallet → BagelPay handles tax, compliance, FX, fraud, invoicing

Why BagelPay Matters for SaaS & Digital Businesses

As your business scales, managing taxes, compliance, and global payment preferences can become overwhelming. With a payment gateway, you’re responsible for:

  • VAT/GST registration and filing in multiple jurisdictions

  • Managing currency conversion and chargebacks

  • Providing localized checkout and payment methods

With BagelPay as your MoR:

  • You expand globally without setting up local entities

  • Taxes are calculated, collected, and remitted on your behalf

  • You gain access to a library of payment methods tailored to your customers

  • We act as your legal buffer and operational partner

“Think of a payment gateway as a tunnel. Now imagine the Merchant of Record as a tunnel, train, driver, and ticketing staff all-in-one.”

Who Should Use BagelPay?

BagelPay is perfect for:

  • SaaS & digital product companies

  • Indie creators and solopreneurs

  • Global businesses with customers across 100+ countries

  • Companies who don’t want to manage taxes & compliance in-house

If you’re expanding internationally, selling subscriptions, or just want to reduce operational headaches, MoR is the smarter choice.

There are cases where using just a payment gateway might make sense:

  • Your business operates only in one country

  • You already have internal finance and compliance resources

  • You require complete control over customer billing experience

  • You are highly cost-sensitive with thin margins at scale

For many startups, using a gateway may suffice initially — but as complexity grows, switching to an MoR can save time, reduce risk, and accelerate international growth.

Why Choose BagelPay

BagelPay offers:

  • All-in-one payments, tax, and compliance stack

  • Real-time FX and multi-currency support

  • Access to 30+ payment methods

  • Seat-based billing, subscriptions, and one-time payments

  • Automated tax handling in 150+ countries

  • Built-in fraud prevention and PCI compliance

Whether you’re a solo founder or a scaling SaaS team, BagelPay simplifies the complexities of selling globally.

Ready to switch?

Join 3,000+ digital businesses using BagelPay to sell globally, without borders or bottlenecks.

Request a Demo | Talk to Sales

Let BagelPay handle the hard stuff — so you can focus on building a great product.

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