<p>This study presents the results of detailed investigations of the bag-breakup fragmentation process on a wavy water surface under wind forcing, within the framework of atmosphere–ocean interaction modeling. High-speed video filming of the wavy surface was performed over a wide range of conditions, including wave breaking and strong winds. A refined classification of the bag-breakup events sources is proposed. The prevailing events follow the so-called classical scenario of bag-breakup development from a nonlinearly evolving small-scale spontaneous disturbance on the surface. The contribution from events caused by rising bubbles decreases with increasing wind speed. Conversely, the number of bag-breakup events from droplets impacting on the surface and in-flight tends to approach the number of classical bag-breakups at high wind speeds. However, the contribution to spray production from in-flight droplets is small due to the significantly smaller size of the bags' canopy compared to other fragmentation types.</p>