Is Gary Payton [Refractor] #T5 worth grading?

Basketball · Basketball Cards 1997 Bowman's Best Techniques · full price guide →

Strong grading candidate — 34× premium in PSA 10

A PSA 10 Gary Payton [Refractor] #T5 sells for $142 against $4.25 raw: a $138 spread, 34× the ungraded price. A PSA 9 ($14.60) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.

Raw (NM): $4.25
PSA 10: $142
PSA 9: $14.60
Gem premium: 34×
As of: Sep 4, 2026

Break-even by outcome and fee

Gary Payton [Refractor] #T5: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — PSA 10	$142	+$113	+$88.17	−$11.83
PSA 9	$14.60	−$14.65	−$39.65	−$140
PSA 8	$10.50	−$18.75	−$43.75	−$144

Net = sale price − $4.25 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?

Gary Payton [Refractor] #T5: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$46.55	−$7.70
50%	$78.51	+$24.26
75%	$110	+$56.22

Break-even gem rate at the standard fee: about 31%. Centering is the usual reason a clean copy misses — measure it before you decide.

Which grader pays the most — and what a 10 takes

All centering standards →

Gary Payton [Refractor] #T5: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$185	best	55/45	70/30
PSA 10	$142	−$42.58	55/45	75/25
CGC 10	$85.00	−$100	55/45	75/25
SGC 10	$85.00	−$100	55/45	75/25

Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.

Full grade ladder

Raw conditions & history →

Gary Payton [Refractor] #T5 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$142	$85.00	$185	$85.00	—
9.5	—	—	—	—	$50.85
9	—	—	—	—	$14.60
8	—	—	—	—	$10.50

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

Other 1997 Bowman's Best Techniques cards worth checking

Full set checklist →

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Michael Jordan [Refractor] #T2

Raw $453PSA 10 $2,632

$Kobe Bryant [Atomic Refractor] #T4 1997 Bowman's Best Techniques card$

Kobe Bryant [Atomic Refractor] #T4

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Grading Gary Payton [Refractor] #T5 — FAQ

Is Gary Payton [Refractor] #T5 worth grading?

How much is a PSA 10 Gary Payton [Refractor] #T5 worth compared with raw?

A PSA 10 Gary Payton [Refractor] #T5 (Basketball Cards 1997 Bowman's Best Techniques) sells for about $142 versus $4.25 for a raw near-mint copy — a 34× premium as of Sep 4, 2026.

Which grading company is best for Gary Payton [Refractor] #T5?

By resale value, BGS 10 leads at $185, ahead of PSA 10 at $142. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Gary Payton [Refractor] #T5 need for a BGS 10?

BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.

What gem rate makes grading Gary Payton [Refractor] #T5 break even?

At a standard ~$50 fee, submitting Gary Payton [Refractor] #T5 breaks even when it gems about 31% of the time (a miss assumed to sell at the PSA 9 price of $14.60).

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