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What is an up-charge?
If your graded or ungraded card is potentially worth more than the initial submitted service level, the grading company will upgrade you to the next service level. This process is entirely beyond Concept's control.

For instance, if you submit a card worth 1,000 USD on a service level that only covers a maximum return insurance of 199 USD at $33, the grading company will upgrade your service level to one that covers a maximum return insurance of 1,499 USD at $138.

Therefore, you will need to pay the difference of $105 ($138 - $33) when collecting your card. The need for an up-charge depends on the market value of the graded card at the time of submission.

In some cases, up-charges can be higher than the stated submission service price of the upgraded tier (e.g. $888 for Super Express, $988 for up-charged Super Express). This happens because Concept does not receive dealer prices for up-charges, and therefore, cannot offer dealer prices to you. We recommend selecting the appropriate service level for your card’s value to avoid unexpected costs.

What is the Final Value Fee?
The Final Valuation Fee is an additional fee applied when a card’s assessed market value exceeds the value declared at submission. Because MBA’s certification and insurance coverage are tied to the card’s declared value, higher-valued cards require additional coverage and handling to ensure proper protection throughout the process.

This fee allows MBA to maintain appropriate insurance and risk management standards for higher-value collectibles while keeping entry-level service tiers accessible for most submissions.

How the Final Valuation Fee is calculated
Final Valuation Fee = (Assessed Market Value × 3%) + applicable exchange, taxes, and processing adjustments − original service tier fee

Make a submission through Concept Grading

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What’s complimentary

  • Brand new recommended card savers
  • Card assessment and our second opinion
  • Soft sleeves for your returned slab
  • Concept Grading packaging for the best return experience

What’s included

  • Card handling and logistics to {{service.provider}} and back
  • Tiered insurance from Concept to {{service.provider}}
  • {{service.insurance}} USD insurance from {{service.provider}} to Concept Grading
  • Your collectible will be encased by {{service.provider}}

What’s not included

  • Guranteed grades
  • Up-charges (PSA) & Final Value Fee (MBA)