Is Gary Payton [Borderless Refractor] #M4 worth grading?
Basketball · Basketball Cards 1996 Topps Mystery Finest · full price guide →
Grading rarely pays for this card
Grade 9.5 copies of Gary Payton [Borderless Refractor] #M4 sell for $29.00, only $17.14 above the $11.86 raw price — less than an economy-tier grading fee. A PSA 9 ($26.25) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.
- Raw (NM)
- $11.86
- Grade 9.5
- $29.00
- PSA 9
- $26.25
- Gem premium
- 2.4×
- As of
- Sep 4, 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 | $29.00 | −$7.86 | −$32.86 | −$133 |
| PSA 9 | $26.25 | −$10.61 | −$35.61 | −$136 |
| PSA 8 | $15.87 | −$20.99 | −$45.99 | −$146 |
Net = sale price − $11.86 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% | $26.94 | −$34.92 |
| 50% | $27.63 | −$34.23 |
| 75% | $28.31 | −$33.55 |
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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Grading Gary Payton [Borderless Refractor] #M4 — FAQ
Is Gary Payton [Borderless Refractor] #M4 worth grading?
Grade 9.5 copies of Gary Payton [Borderless Refractor] #M4 sell for $29.00, only $17.14 above the $11.86 raw price — less than an economy-tier grading fee. A PSA 9 ($26.25) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.
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