Sunday, September 20, 2026
  • -
    days
  • -
    hours
  • -
    minutes
  • -
    seconds

The Pros and Cons of Non-Conference ‘Pay Games’

  • Miami University head coach Chuck Martin explained the difficulties of non-conference money games.
  • He believes that schools shouldn’t necessarily play as many as current schedules include.
Katie Stratman-USA TODAY Sports

For years, the inaugural weeks of the college football season have featured a curious type of matchup: non-conference “pay” games, where Power 5 programs pay a less wealthy opponent — often a Group of 5 or FCS school — to travel, and presumably lose, to their teams. 

In general, both parties consider pay games a win-win. Power 5 schools get a chance for an “easy” victory, while Group of 5 schools earn income. But one FBS football coach is questioning whether there can be too much of a good thing.

Miami University head coach Chuck Martin told Front Office Sports he believes athletic departments have over-scheduled these games in recent years. “I wish, a lot of times, there was a little more balance,” he said.

Martin acknowledged the games earn important revenue for athletic departments. “We know our league — you gotta make the money,” he said.

  • In 2019, FBS football teams paid out $191 million in total competition guarantees, a majority of which was from football games, according to Knight Commission-Newhouse data.
  • A team can frequently earn high six or even seven figures per game. Miami’s game against Northwestern reportedly brought in $950,000, and its game against Kentucky reportedly fetched $1.4 million.
  • Group of 5 schools use money games to supplement income instead of raising student athletic fees — which can be highly controversial, University of Pennsylvania sports finance expert Karen Weaver told Front Office Sports. 

Martin said coaches and players also relish the experience and fanfare of a Power 5 matchup — calling them “memories of a lifetime.” (Of course, there’s always a chance for an upset — Miami scored one against Northwestern.)

“It doesn’t always go your way when you play these teams, but we all love them,” Martin said. “I wouldn’t trade any one of those three experiences” this year.

But the games take a big toll.

Anecdotally, Martin said he’s more concerned about players getting hurt during these matchups than during conference games — since Power 5 opponents don’t always match up. “You always have more attrition in those games, because the collisions are more violent,” he said.

Most of the games are on the road, and traveling multiple weeks in a row can be exhausting.

And then there’s the issue of morale — it’s never easy for a team to start with a multiple-loss record.

There are potential solutions. Martin suggested scheduling fewer games and spreading out travel. “Two of these is wonderful,” he said. “Three? Eh, a little too much.” Weaver noted schools could stagger pay games across seasons — play three games one year and only one the next, for example. 

But in the near future, there may be more factors at stake to incentivize the number of games teams agree to play.

Weaver noted that the pending College Football Playoff expansion to 12 teams gives Group of 5 schools a better opportunity to make the postseason — so they may want even more in order to improve their strength of schedule. But conversely, would Power 5 schools want fewer?

Realignment — with bigger Power 5 conferences — may change the number of non-conference slots in coming years. If Power 5 programs have to play more conference games each season, they simply may not have room for the Group of 5.

This field is for validation purposes and should be left unchanged.

Sign up for
The Memo Newsletter

Get the biggest stories and best analysis on the business of sports delivered to your inbox twice every weekday and twice on weekends.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Linkedin
Whatsapp
Copy Link
Link Copied
Link Copied

What to Read

podcast thumbnail mobile
Front Office Sports Today

NFL Ratings Dip, Steve Belichick Resigns, Knicks Ticket Refunds

0:00

Featured Today

Hot & Social/Mets

Sports Teams Are Playing a New Role: Matchmaker

The latest promotion at the stadium? Love.
Exclusive
September 18, 2026

Vicious Infighting Is Jeopardizing the Future of Women’s Baseball

The WPBL’s own CEO admits there’s a “power struggle.”
September 17, 2026

Fantasy Football Drafts Are Turning Into Full-Blown Vacations

Leagues are forgoing solo drafts and replacing them with in-person getaways.
Oct 4, 2025; Tempe, AZ, USA; General action during the first period of the game between the Arizona State Sun Devils and the Penn State Nittany Lions at Mullett Arena
September 10, 2026

How Military-Style Workouts in College Sports Get Dangerous

For elite athletes, high-intensity training can be “very appealing.”
September 6, 2026

Is Carolyn Tisch Blodgett the Future Face of Giants Ownership?

Amid changes at top of Giants ownership, eyes are on Tisch Blodgett.
Tigers Head Coach Lane Kiffin, LSU Tigers take on the LA Tech Bulldogs. September 12, 2026; Baton Rouge, Louisiana, USA; at Tiger Stadium.

How Lane Kiffin Built College Football’s Most Anticipated Game

Kiffin’s return to Oxford has been nearly 10 months in the making.
Florida State Seminoles head coach Mike Norvell watches the replay. The Florida State Seminoles defeated the New Mexico State Aggies 34-17 at Doak Campbell Stadium on Saturday, Aug. 29, 2026.
September 18, 2026

Norvell’s $48M Buyout Comes Into Focus As FSU Faces Alabama

Florida State fired its AD earlier this week.
Speaker of the House of Representatives Mike Johnson (R-LA) talks with reporters as he arrives prior to the vote in the House of Representatives on its version of the fiscal 2027 National Defense Authorization Act, or NDAA, on Capitol Hill in Washington, D.C., U.S., July 22, 2026.
September 18, 2026

College Sports Bill Faces Uphill Battle in the House

“The stars have to align in the House for the bill to pass.”
Sponsored

Drew Weatherford’s Bet on the Youth Sports Economy

Drew Weatherford discusses investing across the youth, college and professional levels.
Hawkeye and Oregon fans gather for FOX’s Big Noon Kickoff Nov. 8, 2025 in front of the Old Capitol Building on the University of Iowa Campus in Iowa City, Iowa.
September 17, 2026

College Football’s London Debut Brings Big Opportunity for Fox

Kansas and Arizona State are facing off at Wembley Stadium.
Landry Kiffin/Fifth Year
September 17, 2026

Lane Kiffin’s Daughter Seizes CFB Spotlight With Clothing Venture

“Having a family involved in college sports helps from a marketing perspective.”
September 17, 2026

Florida Senators Oppose College Sports Bill Due to Miami, FSU Ambitions

The Protect College Sports Act is moving through the Senate.
Sam Leavitt LSU
September 17, 2026

Sam Leavitt’s Injury Tag Sparks Skepticism Ahead of LSU–Ole Miss

Lane Kiffin has previously faced criticism for his handling of injury reports.