Is Gary Payton [Gold Refractor] #84 worth grading?
Basketball · Basketball Cards 1999 Finest · full price guide →
Grading rarely pays for this card
Grade 9.5 copies of Gary Payton [Gold Refractor] #84 sell for $183, only $0.00 above the $325 raw price — less than an economy-tier grading fee. A PSA 9 ($167) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
- Raw (NM)
- $325
- Grade 9.5
- $183
- PSA 9
- $167
- Gem premium
- 0.6×
- 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 — Grade 9.5 | $183 | −$167 | −$192 | −$292 |
| PSA 9 | $167 | −$184 | −$209 | −$309 |
| PSA 8 | $120 | −$230 | −$255 | −$355 |
Net = sale price − $325 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% | $171 | −$204 |
| 50% | $175 | −$200 |
| 75% | $179 | −$196 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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Raw conditions & history →Run your own numbers
Should I pay this?
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Grading Gary Payton [Gold Refractor] #84 — FAQ
Is Gary Payton [Gold Refractor] #84 worth grading?
Grade 9.5 copies of Gary Payton [Gold Refractor] #84 sell for $183, only $0.00 above the $325 raw price — less than an economy-tier grading fee. A PSA 9 ($167) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
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