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In most cases, banks levy charges for non-STP payments or for manual repairs. Alternatively, banks may not charge on a "per repair" basis, but rather levy heavier [[Fee#Banking|fees]] for [[Correspondent bank|correspondents]] that provide lower quality (lower STP) payments.<ref name=globaltreasurer2005>{{cite web |title=Non-STP Fees - What's Really Happening and Why? |url=https://www.theglobaltreasurer.com/2005/04/04/non-stp-fees-whats-really-happening-and-why/ |website=www.theglobaltreasurer.com|date=4 April 2005 }}</ref>
==STP=<ref></ref>=
STP was developed for [[equities trading]] in the early 1990s by James Karat in London for automated processing in the equity markets.
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