{
  "_readme": "SlabRoute fee config. This is the ONLY file to edit when fees, price premiums or the grade model change. Rates are decimals (0.1325 = 13.25%). After editing, bump last_verified, update sources, and run `npm test` (tests/verify.mjs). Full research notes live in research/fees.md and research/fees-full.json.",
  "schema_version": "2.0",
  "currency": "USD",
  "market": "US",
  "last_verified": "2026-10-26",
  "last_verified_label": "Oct 26, 2026",
  "defaults": {
    "price": 250,
    "condition": "graded",
    "buyer_shipping": 5.0,
    "label_cost": 5.0,
    "sales_tax_rate": 0.07,
    "ebay_store": false,
    "fanatics_pricing": "under_120",
    "auction_mode": "buyer_all_in",
    "whatnot_tier": 0,
    "premiums_on": true,
    "grade": "10",
    "grade_segment": "modlow"
  },
  "platforms": [
    {
      "id": "ebay",
      "name": "eBay",
      "kind": "fixed",
      "fulfillment": "self_ship",
      "conditions": [
        "graded",
        "raw"
      ],
      "params": {
        "fvf_base": "buyer_total",
        "fvf_no_store": [
          {
            "from": 0,
            "to": 7500,
            "rate": 0.1325
          },
          {
            "from": 7500,
            "to": null,
            "rate": 0.0235
          }
        ],
        "fvf_store": [
          {
            "from": 0,
            "to": 2500,
            "rate": 0.1235
          },
          {
            "from": 2500,
            "to": null,
            "rate": 0.0235
          }
        ],
        "per_order_fee": [
          {
            "max_order_total": 10.0,
            "fee": 0.3
          },
          {
            "max_order_total": null,
            "fee": 0.4
          }
        ]
      },
      "estimate": false,
      "caveats": [
        "Final value fee is charged on the buyer's total, including shipping and sales tax.",
        "Assumes Above Standard seller with no Promoted Listings. Below Standard adds 6 points to the FVF.",
        "1.65% international fee applies if you ship abroad without eBay International Shipping (not modeled).",
        "PSA Vault/Consignment on eBay uses PSA's own fee (not modeled)."
      ],
      "sources": [
        {
          "title": "eBay: Selling fees",
          "url": "https://www.ebay.com/help/selling/fees-credits-invoices/selling-fees?id=4822"
        },
        {
          "title": "eBay: Store selling fees",
          "url": "https://www.ebay.com/help/selling/fees-credits-invoices/fees-business-sellers?id=4809"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.ebay.com/sl/sell",
        "label": "List on eBay"
      },
      "price_premium": {
        "default": 0,
        "low": null,
        "high": null,
        "confidence": "Baseline",
        "note": "All prices are relative to eBay sold prices for the same card and grade.",
        "sources": []
      }
    },
    {
      "id": "whatnot",
      "name": "Whatnot",
      "kind": "fixed",
      "fulfillment": "self_ship",
      "conditions": [
        "graded",
        "raw"
      ],
      "params": {
        "commission_tiers": [
          {
            "label": "Standard (under $15k / 4 wks)",
            "rate": 0.08
          },
          {
            "label": "$15k-$34,999 / 4 wks",
            "rate": 0.0775
          },
          {
            "label": "$35k-$49,999 / 4 wks",
            "rate": 0.075
          },
          {
            "label": "$50k-$99,999 / 4 wks",
            "rate": 0.0725
          },
          {
            "label": "$100k-$249,999 / 4 wks",
            "rate": 0.07
          },
          {
            "label": "$250k-$499,999 / 4 wks",
            "rate": 0.0675
          },
          {
            "label": "$500k+ / 4 wks",
            "rate": 0.065
          }
        ],
        "commission_free_above": 1500,
        "commission_free_above_is_promo": true,
        "processing_rate": 0.029,
        "processing_fixed": 0.3,
        "processing_base": "buyer_total"
      },
      "estimate": false,
      "caveats": [
        "Commission is on the item price only. Processing (2.9% + $0.30) is on the buyer's total, including shipping and tax.",
        "Limited-time promo: 0% commission on the part of a sports-singles order above $1,500. Could end at any time.",
        "Instant-payout fees not checked."
      ],
      "sources": [
        {
          "title": "Whatnot: Seller fees",
          "url": "https://help.whatnot.com/hc/en-us/articles/4847069165965-Whatnot-seller-fees"
        },
        {
          "title": "Whatnot: Reduced commission on high-value orders",
          "url": "https://help.whatnot.com/hc/en-us/articles/27912945518733-Reduced-Commission-on-High-Value-Orders"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.whatnot.com/",
        "label": "Sell on Whatnot"
      },
      "price_premium": {
        "default": 0,
        "low": null,
        "high": 57,
        "confidence": "Assumed same as eBay",
        "note": "Assumed same price as eBay — not enough public sales data yet. One small 2024 buyer sample had slabs and singles 57% above 130point comps (Breaks and Takes), but sellers also report auctions closing below eBay. If your own sold comps say otherwise, type your own % in the box above.",
        "sources": [
          {
            "title": "Breaks and Takes: Whatnot buyers paid 57% above comps (small 2024 sample)",
            "url": "https://breaksandtakes.substack.com/p/the-problem-with-whatnot-and-what"
          }
        ]
      }
    },
    {
      "id": "myslabs",
      "name": "MySlabs",
      "kind": "fixed",
      "fulfillment": "self_ship",
      "conditions": [
        "graded",
        "raw"
      ],
      "params": {
        "seller_fee_rate": 0.03,
        "buyer_fee_rate": 0.01,
        "processing_rate": 0.0349,
        "processing_fixed": 0.49,
        "processing_base": "item + buyer fee + shipping + tax"
      },
      "estimate": true,
      "estimate_reason": "MySlabs' fee table says 3% but its terms mention a 2% minimum for slabs. We use 3%. PayPal processing may differ.",
      "caveats": [
        "Seller pays 3.49% + $0.49 processing on the full purchase (item + buyer's 1% fee + shipping + tax).",
        "PayPal/Stripe withdrawal fees are theirs, not MySlabs' (not modeled)."
      ],
      "sources": [
        {
          "title": "MySlabs: Guidelines, Terms and Conditions (sec. J fee table)",
          "url": "https://myslabs.com/guidelines-terms-conditions"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://myslabs.com/",
        "label": "Sell on MySlabs"
      },
      "price_premium": {
        "default": 0,
        "low": null,
        "high": null,
        "confidence": "Assumed same as eBay",
        "note": "Assumed same price as eBay — not enough public sales data yet. Only one recent sale in our Oct 2026 check (a PSA 10 Ohtani, Sep 2026), too few to use. If your own sold comps say otherwise, type your own % in the box above.",
        "sources": []
      }
    },
    {
      "id": "fanatics_buy_now",
      "name": "Fanatics Collect",
      "variant": "Buy Now",
      "kind": "fixed",
      "fulfillment": "vault",
      "conditions": [
        "graded"
      ],
      "params": {
        "rate_under_120": 0.06,
        "rate_120_plus": 0.12,
        "payout_fee_ach": 0
      },
      "estimate": false,
      "payout_estimate": true,
      "estimate_reason": "Free ACH payout comes from a third-party summary. Fanatics' official payout article couldn't be retrieved. Wire and rush payouts reportedly cost $50.",
      "caveats": [
        "6% if listed under 120% of Card Ladder value, 12% at 120% or more. 0% if paid in FanCash (store credit).",
        "Card must already be in the Fanatics Vault (free intake for slabs worth $50+). Inbound shipping not included.",
        "Checked against a real payout: $1,425 sale paid $1,339.50."
      ],
      "sources": [
        {
          "title": "Fanatics Collect: Selling on Fanatics Collect",
          "url": "https://support.fanaticscollect.com/en_us/selling-on-fanatics-collect-Byq2QAQpel"
        },
        {
          "title": "Fanatics Collect: How it works",
          "url": "https://www.fanaticscollect.com/how-it-works"
        },
        {
          "title": "Third-party: Fanatics payout fees (cardcollectorcapital.com)",
          "url": "https://cardcollectorcapital.com/research/fanatics-collect-seller-payout-cash-fancash"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.fanaticscollect.com/",
        "label": "Sell on Fanatics Collect"
      },
      "price_premium": {
        "default": 14,
        "low": -11,
        "high": 26,
        "basis": "list_price",
        "confidence": "Low (small sample)",
        "note": "Measured on the plain sale price (Buy Now has no buyer premium). Per card, the Fanatics Buy Now median vs the eBay fixed-price (Buy It Now + best offer) median was −11% (Doncic), +6% (Wembanyama; only one eBay fixed-price sale), +22% (Herbert) and +26% (Ohtani; Pitching and plain titles mixed). Median +13.9%, rounded to +14%. Against all eBay sales (auctions + fixed price) it was −10%, +19%, +29% and +39%. Only 4 cards, so treat it as a rough guide.",
        "sample": {
          "label": "Based on real sales",
          "cards": 4,
          "date_range": "Jul–Oct 2026",
          "fanatics_sales": 35,
          "ebay_sales": 19,
          "summary": "4 PSA 10 cards, Fanatics Buy Now vs eBay sold, Jul–Oct 2026"
        },
        "sources": [
          {
            "title": "SlabRoute sold comps: 4 PSA 10 cards, Fanatics Buy Now vs eBay sold, Jul–Oct 2026 (collected Oct 26, 2026)",
            "url": "/how-we-calculate/#fanatics-buy-now-comps"
          },
          {
            "title": "Fanatics Collect sales history (public sold items)",
            "url": "https://sales-history.fanaticscollect.com/"
          }
        ]
      }
    },
    {
      "id": "fanatics_weekly",
      "name": "Fanatics Collect",
      "variant": "Weekly Auction",
      "kind": "auction",
      "fulfillment": "vault",
      "conditions": [
        "graded"
      ],
      "params": {
        "buyer_premium": 0.2,
        "seller_bonus_whole": [
          {
            "from": 0,
            "rate": 0
          },
          {
            "from": 50,
            "rate": 0.02
          },
          {
            "from": 100,
            "rate": 0.04
          },
          {
            "from": 1000,
            "rate": 0.06
          },
          {
            "from": 5000,
            "rate": 0.08
          },
          {
            "from": 10000,
            "rate": 0.1
          },
          {
            "from": 250000,
            "rate": 0.125
          },
          {
            "from": 1000000,
            "rate": 0.15
          }
        ],
        "min_commission": 3.0
      },
      "estimate": true,
      "estimate_reason": "Auction results depend on bidding. We model the hammer from your price (see 'Auction assumption'). The $3 minimum commission's mechanics aren't published (only matters for tiny hammers).",
      "caveats": [
        "No seller fee. Buyers pay a 20% premium, and you get a bonus on the hammer price (0% under $50, rising to 15% at $1M+).",
        "Card must already be in the Fanatics Vault. Inbound shipping not included."
      ],
      "sources": [
        {
          "title": "Fanatics Collect: Selling on Fanatics Collect (commission chart)",
          "url": "https://support.fanaticscollect.com/en_us/selling-on-fanatics-collect-Byq2QAQpel"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.fanaticscollect.com/",
        "label": "Consign to Fanatics"
      },
      "price_premium": {
        "default": 5,
        "low": -19,
        "high": 19,
        "basis": "hammer",
        "confidence": "Low (small sample)",
        "note": "Measured on the hammer (what your bonus is paid on, before the buyer's 20% premium). Per card, the Fanatics hammer median vs the eBay auction median was −19% (Doncic), −3% (Wembanyama), +12.5% (Herbert) and +19% (Ohtani; low confidence, some Fanatics titles say \"Pitching\"). Median +4.8%, rounded to +5%. Against all eBay sales (auctions + fixed price) it was −27%, −3%, −4% and +19%. A much larger Pokémon study (UltraBall, 1,233 cards) found buyers' all-in prices at about 90% of eBay, i.e. a hammer about 25% lower, so treat +5% as a rough midpoint, not a promise.",
        "sample": {
          "label": "Based on real sales",
          "cards": 4,
          "date_range": "Aug–Oct 2026",
          "fanatics_sales": 14,
          "ebay_sales": 55,
          "summary": "4 PSA 10 cards, Fanatics vs eBay sold, Aug–Oct 2026"
        },
        "sources": [
          {
            "title": "SlabRoute sold comps: 4 PSA 10 cards, Fanatics vs eBay sold, Aug–Oct 2026 (collected Oct 26, 2026)",
            "url": "/how-we-calculate/#price-premium"
          },
          {
            "title": "UltraBall: Auction houses vs eBay, same card and grade (Oct 2026)",
            "url": "https://ultraball.com/news/data/auction-houses-vs-ebay"
          }
        ]
      }
    },
    {
      "id": "arena_club",
      "name": "Arena Club",
      "kind": "fixed",
      "fulfillment": "vault",
      "conditions": [
        "graded"
      ],
      "params": {
        "seller_fee_rate": 0.1,
        "withdrawal_fee": 0
      },
      "estimate": false,
      "payout_estimate": true,
      "estimate_reason": "Arena Club publishes no withdrawal fee. Payouts go through Stripe Connect, which may charge for instant debit-card payouts. We assume $0.",
      "caveats": [
        "10% seller fee (0% for VIP sellers). Buyers pay processing.",
        "Slab vaulting is free. Inbound shipping not included."
      ],
      "sources": [
        {
          "title": "Arena Club: Marketplace transaction fees",
          "url": "https://arenaclubsupport.zendesk.com/hc/en-us/articles/7692595000603-What-are-the-marketplace-transaction-fees"
        },
        {
          "title": "Arena Club: Seller pricing",
          "url": "https://www.arenaclub.com/sellers/pricing"
        },
        {
          "title": "Arena Club: Withdrawing funds",
          "url": "https://arenaclubsupport.zendesk.com/hc/en-us/articles/33940164323739-How-do-I-withdraw-funds-from-my-Arena-Club-Wallet"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.arenaclub.com/",
        "label": "Sell on Arena Club"
      },
      "price_premium": {
        "default": 0,
        "low": null,
        "high": null,
        "confidence": "Assumed same as eBay",
        "note": "Assumed same price as eBay — not enough public sales data yet. Arena Club doesn't show sold prices publicly. If your own sold comps say otherwise, type your own % in the box above.",
        "sources": []
      }
    },
    {
      "id": "comc_fixed",
      "name": "COMC",
      "variant": "Fixed price → cash",
      "kind": "fixed",
      "fulfillment": "consignment",
      "conditions": [
        "graded",
        "raw"
      ],
      "params": {
        "processing_fee": {
          "graded": 2.5,
          "raw": 2.0
        },
        "processing_service": "Elite",
        "sale_fee_rate": 0.05,
        "cashout_rate": 0.1,
        "cashout_small_fee": 1.0,
        "cashout_small_threshold": 250
      },
      "estimate": false,
      "caveats": [
        "Elite processing ($2.50 graded / $2.00 raw) is paid upfront, then 5% on the sale, then 10% to cash out to PayPal (+$1 under $250).",
        "Storage fees after 90 days aren't modeled. A US check costs +$5. Shipping cards to COMC isn't included."
      ],
      "sources": [
        {
          "title": "COMC: Commission fees",
          "url": "https://comc.zendesk.com/hc/en-us/articles/360053737993-What-are-the-commission-fees"
        },
        {
          "title": "COMC: Consignment fees",
          "url": "https://comc.zendesk.com/hc/en-us/articles/360054029273-What-are-the-Consignment-Fees"
        },
        {
          "title": "COMC: Store credit conversion fees",
          "url": "https://comc.zendesk.com/hc/en-us/articles/4407897214107-Domestic-COMC-Store-Credit-Fees-Conversion"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.comc.com/",
        "label": "Consign to COMC"
      },
      "price_premium": {
        "default": 0,
        "low": null,
        "high": null,
        "confidence": "Assumed same as eBay",
        "note": "Assumed same price as eBay — not enough public sales data yet. COMC's own eBay cross-listings are priced higher than on COMC. If your own sold comps say otherwise, type your own % in the box above.",
        "sources": []
      }
    },
    {
      "id": "comc_d2c",
      "name": "COMC",
      "variant": "Direct-to-Cash auction",
      "kind": "auction",
      "fulfillment": "consignment",
      "conditions": [
        "graded",
        "raw"
      ],
      "params": {
        "threshold": 1000,
        "rate_under": 0.08,
        "fixed_under": 5.0,
        "rate_over": 0.05
      },
      "estimate": false,
      "caveats": [
        "8% + $5 under $1,000, and 5% at $1,000 and up. No cash-out fee. The minimum fee applies even if the card doesn't sell.",
        "Runs as an auction on eBay, so the final price depends on bidding. Shipping cards to COMC isn't included."
      ],
      "sources": [
        {
          "title": "COMC: Auction service introduction and fees",
          "url": "https://comc.zendesk.com/hc/en-us/articles/4407601554331-Auction-Service-Introduction-and-Fees"
        }
      ],
      "affiliate": {
        "url": null,
        "fallback_url": "https://www.comc.com/",
        "label": "Consign to COMC"
      },
      "price_premium": {
        "default": -9,
        "low": null,
        "high": null,
        "confidence": "Low (derived)",
        "note": "Sells as an eBay auction. On the same 2,443 cards, eBay auctions ran about 9% below all eBay sales (from UltraBall's 97.9% and 89.4% medians). Our Oct 2026 check on 4 PSA 10 cards was in the same direction: eBay auctions were a median ~5% below all eBay sales.",
        "sources": [
          {
            "title": "UltraBall: Auction houses vs eBay, same card and grade (Oct 2026)",
            "url": "https://ultraball.com/news/data/auction-houses-vs-ebay"
          }
        ]
      }
    }
  ],
  "coming_soon": [
    "Goldin",
    "Alt",
    "PSA Vault / Consignment"
  ],
  "grade_model": {
    "_readme": "PSA 9 / PSA 8 price as % of the PSA 10 price. Fit on 25 cards (research/grade_sample.csv, SportsCardsPro, Oct 26, 2026).",
    "fit_9_over_10": {
      "coef": 36.1,
      "exponent": 0.614,
      "ratio": "pop10/pop9",
      "ratio_clamp": [
        0.035,
        1.35
      ],
      "r2": 0.75,
      "band": [
        0.73,
        1.21
      ],
      "band_note": "middle half of the fit's errors"
    },
    "fit_8_over_9": {
      "coef": 0.38,
      "exponent": 0.31,
      "ratio": "pop9/pop8",
      "ratio_clamp": [
        0.06,
        16
      ],
      "cap": 1.0,
      "r2": 0.74,
      "band": [
        0.67,
        1.54
      ],
      "band_note": "middle half of the fit's errors; high end capped at the PSA 9 high"
    },
    "segments": {
      "modhigh": {
        "label": "Modern high-pop",
        "p9": [
          24,
          35,
          42
        ],
        "p8": [
          16,
          26,
          37
        ],
        "cards": "7 modern base rookies where PSA 10s are 70%+ of PSA 9s (Doncic, Zion, Burrow, Trae Young, McDavid, Morant, Stroud)"
      },
      "modlow": {
        "label": "Modern tough or low-pop",
        "p9": [
          10,
          30,
          36
        ],
        "p8": [
          4.5,
          21,
          27
        ],
        "cards": "7 cards from 2000 on with fewer 10s (Herbert, LaMelo Silver, Lawrence Silver, LeBron and Curry Chrome, Brady Bowman Chrome, Rodgers Chrome)"
      },
      "vintage": {
        "label": "Vintage (pre-2000)",
        "p9": [
          2,
          7.6,
          27
        ],
        "p8": [
          0.2,
          2.6,
          15
        ],
        "cards": "11 vintage rookies (1986 Fleer Jordan, Rice, Griffey, Jeter SP, Elway, Montana, McGwire, Sanders, Bird/Magic, Kobe Chrome, Manning)"
      }
    },
    "sources": [
      {
        "title": "SportsCardsPro: PSA pops and prices per card (sample source)",
        "url": "https://www.sportscardspro.com/game/basketball-cards-2023-panini-prizm/victor-wembanyama-136"
      },
      {
        "title": "CardTrends: PSA 9 as % of PSA 10 by era and price",
        "url": "https://cardtrends.io/methodology/psa-9-estimates"
      },
      {
        "title": "Hobby Card Index: The state of PSA 10 premiums, 2026",
        "url": "https://hobbycardindex.com/reports/the-state-of-psa-10-premiums/"
      },
      {
        "title": "Cllct: PSA 10 vs PSA 9 price gaps on iconic sports cards",
        "url": "https://www.cllct.com/sports-collectibles/sports-cards/what-s-the-difference-between-a-psa-10-and-a-psa-9"
      }
    ]
  }
}