Is Gary Payton Jersey Refractor #70 worth grading?
Basketball · Basketball Cards 2003 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Gary Payton Jersey Refractor #70 sells for $862 against $11.82 raw: a $850 spread, 73× the ungraded price. Even a PSA 9 ($783) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $11.82
- Grade 9.5
- $862
- PSA 9
- $783
- Gem premium
- 73×
- As of
- Jul 11, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — Grade 9.5 | $862 | +$825 | +$800 | +$700 |
| PSA 9 | $783 | +$747 | +$722 | +$622 |
Net = sale price − $11.82 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $803 | +$741 |
| 50% | $823 | +$761 |
| 75% | $842 | +$781 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $862 |
| 9 | $783 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2003 Finest cards worth checking
Full set checklist →![LeBron James [Refractor] #133 2003 Finest card](https://i.ebayimg.com/images/g/Dy0AAeSwiT9p3ZOJ/s-l500.jpg)
![Kobe Bryant [Refractor] #88 2003 Finest card](https://i.ebayimg.com/images/g/e~YAAeSwMrpqHyAT/s-l500.jpg)
Grading Gary Payton Jersey Refractor #70 — FAQ
Is Gary Payton Jersey Refractor #70 worth grading?
A Grade 9.5 Gary Payton Jersey Refractor #70 sells for $862 against $11.82 raw: a $850 spread, 73× the ungraded price. Even a PSA 9 ($783) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
Is your basketball card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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