Det er stadig ikke hensigtsmæssigt at anvende princippet om lige store gebyrer for betalingsinstrumenter, der hovedsagelig eller udelukkende er papirbaserede, som f.eks. checks, eftersom de i sagens natur ikke kan håndteres så effektivt som elektroniske betalinger.
It is still not advisable to apply the principle of equality of charges for payment instruments which are mainly or exclusively paper-based, such as cheques, since, by their very nature, they cannot be processed as efficiently as electronic payments.