People often say things like: give a 5-10% or more discount so someone will choose to pay in Monero (XMR). But in practice, this does not matter and is mostly a misunderstanding of the incentives that people have to use Monero.
In short, there is no reason to give a discount to use Monero.
The reason people use Monero is privacy. Privacy comes at a cost and demands a premium. So what reason is there to not do this? Often people say to save on 2-3.5% credit card processing fees. But if that is really a make or break with your business offering, you are in the wrong business when it comes to Monero.
But let's take for example Coincards. They actually charge a premium to pay with Monero now, and that is due to the regulations in Canada. It wasn't always that way but last August or so, they had to start charging more.
In June 2025, Monero accounted for 27.63% of CoinCards' payment volume — their 2nd biggest payment method, behind only Bitcoin at 42.08%. In June 2026, Monero accounted for 22.54% — still their 2nd biggest payment method, behind Bitcoin at 49.34%. So while its share dipped slightly year over year, Monero held firmly onto 2nd place despite being the only currency on the platform that costs extra to pay with.
And some other platforms, like XMR.cards, they are more expensive than CoinCards. But since they do not require an email address or name and offer Tor, people will pay the higher price.
You will see on Monerica people who offer a discount to pay in Monero. These are almost never success stories. If you read for example the interview with Monero Matteo, who is an accountant that offers a 5% discount to pay in Monero, he says it doesn't improve sales. He comes up with reasons that might be the case, but the reality is that with tax information, most of your privacy is essentially gone. So what benefit is there in that case to use Monero? If all the privacy is stripped away, then it sort of defeats the point of using Monero.
There are no success stories I've ever heard of where offering a discount to pay in Monero made a difference. And it's actually the opposite, if you are accepting Monero you can command a premium.
Now I understand there are some arguments on sites like JM Bullion where they charge different rates for gold coins with (e)Check/Wire (cheapest), Crypto (slightly less), Card/PayPal (most expensive). That comes down more to fraud risk because metal is truly fungible. They do not accept Monero, by the way, just Bitcoin and maybe some others.
I have heard of some ransomware offering a discount to pay in Monero but that seems more about liquidity problems than it does anything else. Maybe if that's true, it's also just because they would need to do some mixing on the Bitcoin and it would end up costing the same anyway.
So there really are not any examples of needing a Monero discount that I can point to. Of course Monero users would be happy to have a discount, and it may seem illogical because some places in-person have cash discounts, but Monero payment doesn't command a discount. The lesson is that the more privacy you offer, generally the more someone will pay in Monero.
