![Gary Payton [Refractor] #285 (Basketball Cards 1994 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/Zl0AAeSwGEZqkKqn/s-l1600.jpg)
Is Gary Payton [Refractor] #285 worth grading?
Basketball · Basketball Cards 1994 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Gary Payton [Refractor] #285 sells for $305 against $16.99 raw: a $288 spread, 18× the ungraded price. Even a PSA 9 ($165) 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)
- $16.99
- PSA 10
- $305
- PSA 9
- $165
- Gem premium
- 18×
- As of
- Sep 3, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $305 | +$263 | +$238 | +$138 |
| PSA 9 | $165 | +$123 | +$98.01 | −$1.99 |
| PSA 8 | $24.36 | −$17.63 | −$42.63 | −$143 |
Net = sale price − $16.99 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% | $200 | +$133 |
| 50% | $235 | +$168 |
| 75% | $270 | +$203 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $397 | best | 55/45 | 70/30 |
| PSA 10 | $305 | −$92.00 | 55/45 | 75/25 |
| CGC 10 | $183 | −$214 | 55/45 | 75/25 |
| SGC 10 | $183 | −$214 | 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.
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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1994 Finest cards worth checking
Full set checklist →![Grant Hill [Refractor] #200 1994 Finest card](https://i.ebayimg.com/images/g/5Z0AAeSw779qSLh2/s-l500.jpg)
![Jason Kidd [Refractor] #286 1994 Finest card](https://i.ebayimg.com/images/g/LzUAAeSwOeFqHNyi/s-l500.jpg)
![Michael Jordan [With Coating] #331 1994 Finest card](https://i.ebayimg.com/images/g/AakAAOSw3YtmI1v1/s-l500.jpg)
![Grant Hill [Refractor] #240 1994 Finest card](https://i.ebayimg.com/images/g/7fYAAOSw8FVmQsdj/s-l500.jpg)
Grading Gary Payton [Refractor] #285 — FAQ
Is Gary Payton [Refractor] #285 worth grading?
A PSA 10 Gary Payton [Refractor] #285 sells for $305 against $16.99 raw: a $288 spread, 18× the ungraded price. Even a PSA 9 ($165) 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.
How much is a PSA 10 Gary Payton [Refractor] #285 worth compared with raw?
A PSA 10 Gary Payton [Refractor] #285 (Basketball Cards 1994 Finest) sells for about $305 versus $16.99 for a raw near-mint copy — a 18× premium as of Sep 3, 2026.
Which grading company is best for Gary Payton [Refractor] #285?
By resale value, BGS 10 leads at $397, ahead of PSA 10 at $305. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Gary Payton [Refractor] #285 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.
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