![Gary Payton [Gold Refractor w/ Coating] #84 (Basketball Cards 1999 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/EhgAAeSwm~FqxUqE/s-l1600.jpg)
Is Gary Payton [Gold Refractor w/ Coating] #84 worth grading?
Basketball · Basketball Cards 1999 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Gary Payton [Gold Refractor w/ Coating] #84 sells for $1,000 against $100 raw: a $900 spread, 10× the ungraded price. Even a PSA 9 ($211) 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)
- $100
- PSA 10
- $1,000
- PSA 9
- $211
- Gem premium
- 10×
- 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 | $1,000 | +$875 | +$850 | +$750 |
| PSA 9 | $211 | +$86.44 | +$61.44 | −$38.56 |
| PSA 8 | $127 | +$1.62 | −$23.38 | −$123 |
Net = sale price − $100 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% | $409 | +$259 |
| 50% | $606 | +$456 |
| 75% | $803 | +$653 |
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 | $1,300 | best | 55/45 | 70/30 |
| PSA 10 | $1,000 | −$300 | 55/45 | 75/25 |
| CGC 10 | $600 | −$700 | 55/45 | 75/25 |
| SGC 10 | $600 | −$700 | 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 →Swipe the table for the other grading companies →
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1999 Finest cards worth checking
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![Shareef Abdur-Rahim [Refractor] #1 1999 Finest card](https://i.ebayimg.com/images/g/go0AAeSw9OJo4tLg/s-l500.jpg)
![Bison Dele [Gold Refractor] #96 1999 Finest card](https://i.ebayimg.com/images/g/QQ4AAOSwvqtmLqpx/s-l500.jpg)
![Baron Davis [Gold Refractor] #111 1999 Finest card](https://i.ebayimg.com/images/g/eZEAAeSwEVFqxUfH/s-l500.jpg)
![Tim Duncan [Gold Refractor] #246 1999 Finest card](https://i.ebayimg.com/images/g/xQoAAeSwSN9qoWyH/s-l500.jpg)
![Kobe Bryant [Refractor] #128 1999 Finest card](https://i.ebayimg.com/images/g/UFIAAeSws9FoljPl/s-l500.jpg)
Grading Gary Payton [Gold Refractor w/ Coating] #84 — FAQ
Is Gary Payton [Gold Refractor w/ Coating] #84 worth grading?
A PSA 10 Gary Payton [Gold Refractor w/ Coating] #84 sells for $1,000 against $100 raw: a $900 spread, 10× the ungraded price. Even a PSA 9 ($211) 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 [Gold Refractor w/ Coating] #84 worth compared with raw?
A PSA 10 Gary Payton [Gold Refractor w/ Coating] #84 (Basketball Cards 1999 Finest) sells for about $1,000 versus $100 for a raw near-mint copy — a 10× premium as of Sep 3, 2026.
Which grading company is best for Gary Payton [Gold Refractor w/ Coating] #84?
By resale value, BGS 10 leads at $1,300, ahead of PSA 10 at $1,000. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Gary Payton [Gold Refractor w/ Coating] #84 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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