These programs aren’t actually as new you might think. For instance, you may have noticed that gas stations, utility companies, and government agencies often charge less when you pay in cash as opposed to credit. After the Dodd-Frank Act was passed in 2010, credit card companies were forced to relax some of the restrictions they had previously placed on business owners. Since then, has become more popular in the United States. This type of program has also been around for decades in Europe.