![Gary Payton [Gold Refractor] #105 (Basketball Cards 1999 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/UZQAAeSwFfJqiow-/s-l1600.jpg)
Is Gary Payton [Gold Refractor] #105 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] #105 sells for $305 against $150 raw: a $155 spread, 2.0× the ungraded price. Even a PSA 9 ($196) 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)
- $150
- PSA 10
- $305
- PSA 9
- $196
- Gem premium
- 2.0×
- 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 | +$130 | +$105 | +$5.00 |
| PSA 9 | $196 | +$21.00 | −$4.00 | −$104 |
| PSA 8 | $179 | +$3.50 | −$21.50 | −$122 |
Net = sale price − $150 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% | $223 | +$23.25 |
| 50% | $251 | +$50.50 |
| 75% | $278 | +$77.75 |
Break-even gem rate at the standard fee: about 4%. 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 →| 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.
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![Kobe Bryant [Refractor] #128 1999 Finest card](https://i.ebayimg.com/images/g/UFIAAeSws9FoljPl/s-l500.jpg)
Grading Gary Payton [Gold Refractor] #105 — FAQ
Is Gary Payton [Gold Refractor] #105 worth grading?
A PSA 10 Gary Payton [Gold Refractor] #105 sells for $305 against $150 raw: a $155 spread, 2.0× the ungraded price. Even a PSA 9 ($196) 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] #105 worth compared with raw?
A PSA 10 Gary Payton [Gold Refractor] #105 (Basketball Cards 1999 Finest) sells for about $305 versus $150 for a raw near-mint copy — a 2.0× premium as of Sep 3, 2026.
Which grading company is best for Gary Payton [Gold Refractor] #105?
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 [Gold Refractor] #105 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 [Gold Refractor] #105 break even?
At a standard ~$50 fee, submitting Gary Payton [Gold Refractor] #105 breaks even when it gems about 4% of the time (a miss assumed to sell at the PSA 9 price of $196).
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