If you have Charizards and umbreons then you are for sure getting caught. Everything else there’s a good chance it slides by when the value is in range
But like others mentioned, I’d say 70-80% of the time it slides. Depends on the QA/QC staff person and the individual card. For example, ime nearly 100% of base set Charizards in PSA 7-8 get upcharged.
I had 2 cards in my most recent submission that were around $800 in value, they got upcharged to $50. No idea how that works since there is no $50 tier…
A few other cards that were around the $500-$600 range only got upcharged to $19. That’s usually how it goes in my experience
Upcharging has always (and still does) feels completely random, sometimes i get hit for $400-500 modern cards and other times $1k+ and rarer items fly straight through.
It makes sense when you are first/early to market on newer and more obscure cards, but (recent example) this went through the Value Plus tier with no upcharge despite plenty of data now.
Also, and I am unsure about accurancy but hearing reports of this:
Its “up to a maximum of” and that is only if they had chosen the “correct” tier. eg if you subbed a card that was $500 in a PSA 9, but hit a PSA 10 and its now $5k, if you didnt ship at the $5k level, the max you can claim is $500 (even if you still got upcharged)
Also PSA is choosing market value - which is also not accurate
I think upcharges are a scam and I will die on that hill. They should let the customer decide how much insurance to put on their cards themselves, such as what BGS do. You pay $7 per $1000 value.
Several people in Efour have stated that they are “for the authenticity guarantee” or “for insurance” meaning it’s a benefit of the PSA offering. You see this narrative frequently online too.
Did you miss the part where they got a reply that they were sent the wrong spreadsheet? The upcharge is still definitely for insurance, based on what they’ve stated in terms of this payout.