Bags DocsGetting Started
What Bags is, how MoR works, and what we handle for you — USDC payments in 100+ countries.
Bags is a Merchant of Record for global USDC payments. When your customer pays, they pay Bags — and Bags pays you. In between, we handle tax collection, compliance, invoicing, and cross-border settlement across 100+ countries.
You build your product. We handle the money stuff. 1.5% platform fee per transaction.
What Bags handles
- Tax calculation — automatic tax via regional providers routed by customer country
- Compliance — KYB verification, regulatory requirements, KYT/AML screening
- Invoicing — compliant invoices generated for every transaction
- Payment processing — USDC on Base, Polygon, and Solana (Ethereum mainnet on waitlist)
- Settlement — USDC payouts to your wallet
What you handle
- Your product and UI
- A webhook endpoint to know when you get paid
What is a Merchant of Record?
We're not a payment gateway. We act as your legal reseller. A standard payment gateway moves money from customer to merchant. A Merchant of Record owns the transaction itself.
When you use Bags:
- Bags appears as the seller on every receipt and invoice
- We absorb tax, compliance, and liability across all supported jurisdictions
- Crypto never touches your accounting books or corporate bank account
- You receive USDC payouts with consolidated settlement invoices
| Feature | Bags (MoR) | Standard Payment Gateway |
|---|---|---|
| Legal Seller | Bags | Your Company |
| Tax Collection & Remittance | Handled by Bags | You are responsible |
| Compliance & Regulatory Burden | Bags assumes liability | You handle local laws |
| Financial Reporting | Consolidated settlement invoice | Direct transaction records |
| Risk Management | KYT/AML tools integrated | You configure your own |
| Payout Options | USDC (fiat bank rails coming Q2) | Fiat only (requires bank setup) |
Accepted payment methods (v0)
Live today: USDC on Base, Polygon, and Solana.
Coming soon: card payments (Visa, Mastercard, Amex), Ethereum mainnet, subscriptions, and discounts. Each has a waitlist — see the relevant guide or finance page.
Supported networks
| Production | Testnet | v0 status |
|---|---|---|
base | base_sepolia | Live |
polygon | — | Live |
solana | solana_devnet | Live |
ethereum | eth_sepolia | Mainnet waitlist; Sepolia in sandbox |
See Environments for network mapping and testnet faucets.
Merchant onboarding
Before live payments: sign up at getbags.app, complete business profile and KYB, connect a payout wallet, then generate a live API key. Test keys work immediately in sandbox.
Get started
Architecture
Products, checkouts, webhooks, and settlements.
Choose Integration
Pick hosted checkout, payment links, custom, or x402.
Quickstart
Go from zero to your first test payment in under 10 minutes.
Authentication
Understand test vs. live API keys and Bearer auth.
API Reference
Full endpoint documentation generated from our OpenAPI spec.