And here's one that handles multiple columns with commas:

#!/usr/bin/perl

# https://perlmonks.org/?node_id=1226189

use strict;
use warnings;

while( <DATA> )
  {
  my @queue = $_;
  while( @queue )
    {
    local $_ = shift @queue;
    if( /\|([^|,]*(?:,[^|,]*)+)\|/ )
      {
      push @queue, map "$`|$_|$'", split /,/, $1;
      }
    else
      {
      print;
      }
    }
  }

__DATA__
 some text FOO | some text BAR | oh , no , commas | some text BAZ | so
+me text QUX
 some text FOO | some text BAR | single | some text BAZ | some text QU
+X
 some text FOO | some text BAR | oh , no , commas | one, two | some te
+xt QUX
[download]

Outputs:

 some text FOO | some text BAR | oh | some text BAZ | some text QUX
 some text FOO | some text BAR | no | some text BAZ | some text QUX
 some text FOO | some text BAR | commas | some text BAZ | some text QU
+X
 some text FOO | some text BAR | single | some text BAZ | some text QU
+X
 some text FOO | some text BAR | oh | one| some text QUX
 some text FOO | some text BAR | oh | two | some text QUX
 some text FOO | some text BAR | no | one| some text QUX
 some text FOO | some text BAR | no | two | some text QUX
 some text FOO | some text BAR | commas | one| some text QUX
 some text FOO | some text BAR | commas | two | some text QUX
[download]

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