Does the NIP give the option for a fixed penalty or is that the next stage after you declare who was driving?

Over 10 years ago I got stopped for 97 on the M6 (personally, I'm sure I was a bit quicker than that and the cops were doing me a favour!) but because I couldn't produce my licence at the roadside I had to go to Kendal magistrates court where the fine was something like £400 + £60 court costs. I complained that was unfair compared to the £60 fixed penalty, so they dropped it to £105 total. 3 points too, at that time, but I think they may have toughened up since then.