🥯Welcome to BagelPay
Welcome to BagelPay.
We power Fiat and Stablecoins checkouts for 3,000+ merchants and millions of users. Set up a merchant account for indie hackers, designers, tutors, micro‑SaaS teams, and Independent cross-border e-commerce seller, and more for e-commerce, subscriptions, and digital goods.
We're hacking the broken system, eliminating borders, and making global business effortless. No paperwork. No barriers. No BS. Just pure human potential, unleashed.
FAQs
Company & Security
Who is Behind BagelPay?
BagelPay was founded in 2024 by experienced entrepreneurs and a talented team specialising in ai, compliance and fintech.
BagelPay is backed by global innovation leaders.
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.
Account Opening
Can individual users open a BagelPay account?
Yes. BagelPay fully supports accounts for both individuals (sole proprietors) and registered businesses.
As long as you complete the standard KYC (Know Your Customer) or KYB (Know Your Business) verification process, your account can be activated.
How long does verification take?
Most KYC checks for individuals are completed within minutes to 1 business day.
KYB verification for companies usually takes 1–3 business days, depending on document completeness.
Is there any restriction on individual accounts?
No special restrictions, but all accounts must comply with BagelPay's Acceptable Use Policy and may be subject to payout delay for the first transaction as part of risk control.
Payments & Transactions
What currencies are currently supported as product prices?
The currently supported currency for product pricing include
USD
At present, merchants can only price their products using USD as the unit.
However, this does not restrict consumers to paying exclusively in USD, as BagelPay currently supports local currencies from over 130 countries.
Does it support Alipay?
Yes, we support a wide range of payment methods, including Alipay, Visa, MasterCard, bank transfers, stablecoins, and local digital wallets.
Which payment methods can I use with BagelPay?
BagelPay supports a wide range of payment methods, including:
Cards (Visa, Mastercard, American Express, Discover, JCB, UnionPay, etc.)
Wallets: Apple Pay, Google Pay, Link, Click to Pay
Bank debits & transfers:
ACH debit (US)
Bacs Direct Debit (UK)
SEPA Direct Debit (EU)
Canadian Pre-Authorized Debits (Canada)
BECS Direct Debit (Australia)
Bank redirects (real-time bank payments):
Bancontact
EPS
Giropay
iDEAL
Przelewy24
FPX (Malaysia)
Buy now, pay later (BNPL):
Affirm
Afterpay / Clearpay
Klarna
Zip
Real-time payments:
PIX (Brazil)
PromptPay (Thailand)
Other:
Alipay
Konbini (Japan)
OXXO (Mexico)
Do all payment methods work in all countries?
No. Availability depends on:
Your merchant account’s country.
The payment currency.
The customer’s location.
Can I enable multiple payment methods at the same time?
Yes. BagelPay Checkout allows you to offer multiple options in one payment form, and BagelPay will handle presenting the appropriate methods based on the customer’s location and device.
How long does it take for funds to reach my balance?
There a 1–2 day "on-hold" period before the funds to reach your balance.
What does "on-hold" mean in BagelPay?
On-hold means the funds from a successful customer payment are temporarily held in your BagelPay account and are not yet eligible for payout.
This is part of BagelPay’s payout delay policy, primarily for risk control.
Why is money held for 1–2 days?
BagelPay may place a holding period to:
Verify your business and comply with Know Your Customer (KYC) regulations.
Reduce risk from potential disputes, fraud, or chargebacks.
Wait for the payment to fully settle from the customer’s bank/wallet.
Chargebacks & Disputes
What is a chargeback?
A chargeback (also called a dispute) occurs when a cardholder contacts their bank to challenge a payment they believe is unauthorized, incorrect, or unsatisfactory.
The bank reverses the transaction through the card network (Visa, Mastercard, etc.), and the amount is temporarily withdrawn from the merchant’s account.
Why do chargebacks happen?
Common reasons include:
The cardholder claims the payment was not authorized (fraud or stolen card).
The customer did not receive the product or service.
The product/service was not as described or was defective.
Duplicate billing or incorrect amount was charged.
The customer does not recognize the charge on their statement.
What happens when a chargeback is initiated?
Cardholder disputes a transaction with their bank.
Issuing bank submits the dispute through the card network.
Card network notifies BagelPay.
BagelPay freezes the amount in question, and sends you a Dashboard/API alert.
You (the merchant) can submit evidence to contest the dispute.
BagelPay forwards your evidence to the card network and issuing bank.
Bank decides whether to uphold or reverse the chargeback.
Will BagelPay charge a fee for chargebacks?
Yes. BagelPay applies a dispute fee ($30 per chargeback). This fee is charged regardless of whether you win or lose the dispute.
Why is there a $30 dispute fee?
When a dispute happens, BagelPay (through card networks such as Visa/Mastercard) incurs:
Bank & card network processing costs Networks (Visa, Mastercard, etc.) charge a fixed dispute handling fee to the payment processor.
Administrative work BagelPay must collect transaction evidence, respond to the dispute via card network portals, and handle legal/record requirements.
Risk management costs Disputes increase fraud risk and may impact our merchant’s fraud score. Extra work is needed to monitor and protect other transactions.
BagelPay passes part of these external costs to the merchant — set at $30 USD per dispute — to cover bank/network fees and internal handling resources.
Can chargebacks be prevented?
While it’s impossible to avoid them completely, you can reduce the risk by:
Providing clear product descriptions and terms.
Sending order/shipping confirmations quickly.
Provide a refund button or link.
Refund
How is the refund fee applied?
The $1 covers payment processor and banking costs for handling refund requests.
The refund fee applies regardless of the reason for the refund — whether it’s customer request, order cancellation, or operational error.
Is the original processing fee returned when I issue a refund?
No.
Standard payment processing fees from the original transaction are not refunded.
Refunds only return the principal amount to the customer; associated processing costs remain with the merchant.
Payout
What is the withdrawal cycle duration?
The withdrawal cycle can be referenced in this document: https://bagelpay.gitbook.io/docs/documentation/pricing-and-fees/payout-schedule
What withdrawal methods are currently supported?
BagelPay currently provides customers with three flexible withdrawal options:
Payouts can be made to
any Bank Accounts, such as your Hong Kong Account, Singapore Account, or any other traditional or Digital Bank Account abroad, also.includeMainland China Bank Account.Payouts to a
Cryptocurrency Wallet Address, where BagelPay collaborates with leading exchanges to automatically convert the USD in your account into USDC/USDT and transfer it via blockchain to your designated wallet address.
How do I get my money from BagelPay?BagelPay does indeed support users from China.
In BagelPay, withdrawing money to your bank account is called a payout.
You can check the withdrawal process here: Payout
Prices & Fees
Do payment methods have different fees?
No. Each method has same pricing and settlement time. You can check the pricing here: Payments Fees
Risk Control
Can prepaid cards be overdrawn with BagelPay?
No.
During the authorization stage, BagelPay requests a balance check from the card issuer (via the card network such as Visa/Mastercard).
If the funds are insufficient, the transaction is declined immediately — overdrafts are not possible for prepaid cards.
How does BagelPay reduce fraud risk for prepaid cards?
BIN recognition: BagelPay identifies the card type (credit / debit / prepaid) from the BIN.
BagelPay Radar: AI-powered fraud detection to automatically flag suspicious transactions.
AVS (Address Verification Service) and CVC checks: Additional verification checks.
3D Secure / SCA: Strong customer authentication to prevent unauthorized use.
Does BagelPay accept gift cards?
BagelPay doesn’t natively issue gift cards, but can process them depending on the type:
Network-branded gift cards (e.g., Visa Gift Card) → Treated as prepaid cards; real-time balance check; no overdraft possible.
Merchant-issued gift cards (non-card-network) → The merchant’s system manages the gift card balance; BagelPay only processes the remaining amount paid by bank card or alternative payment methods.
Can BagelPay prevent gift card fraud?
Network-branded gift cards: Fraud prevention is handled via BagelPay + card networks (Radar, AVS, CVC, 3D Secure).
Merchant-issued gift cards: Fraud prevention & overdraft control are the merchant’s responsibility, implemented in their business logic.
From 0 to Hero
Refer to our Quick Start Guide and begin by creating your first product within BagelPay’s dashboard.
Last updated