How to Deal Pai-Gow Poker

Part 4: A Vegas Aces Guide

Taking & Paying Bets

When the Dealer completes the Take-and-Pay procedure, they will always pay the primary Pai-Gow Poker bet first, followed by the Fortune Bonus. Then they’ll pay any Envy Bonuses that might qualify before going to the Dragon Hand. All winning wagers are paid even money minus a 5% commission.

In the top picture - The lost bets are placed in a designated area on the table -- In the bottom picture - When all of the players hands are done, the lost bets will be locked up in the rack

The procedure for a lost bet depends on what casino you work at, so make sure you know your house rules. Some houses will want you to place the lost bet in the rack, while other houses will want you to place it on a designated area on the center of the table and then place it in the rack after all of the lost bets have been taken. This is for security purposes as well as in case there is a dispute, then the dealer will know exactly which bet belongs to what player.

In the top picture - The Player folds their cards by sliding them under their bet -- In the bottom picture - The Player folds their cards by tossing them to the dealer

One of the rules that carried over from poker is that the player has the option to fold their hand. If the player wishes to surrender their hand, either before or after the dealer has revealed their cards, the player will either push their cards under the bet and towards the dealer or they will throw their cards towards the dealer. When seeing this, the first thing the dealer will do is collect the player’s bet and lock it up in the rack. Then the dealer will spread the cards face down, verifying that there are seven there before placing them in the discard rack.

Because each casino is different, you might have side bets and bonus bets on your layout that looks different from this one. Don’t worry; just make sure you get a copy of your house rules so you won’t be confused with the Take-and-Pay procedure when you’re on a live game, and if you have any questions you can always ask your floorman.

Also, different casinos follow different procedures when it comes to the Take-and-Pay Procedure, but these are the two methods that are normally followed.

The first method is a “Pay-As-You-Go” system, which is pretty straight forward. The dealer will start from the right hand side and going left, take or pay the wager depending on the player’s cards. As soon as the wager and commission are taken care of the dealer will place the player’s cards into the discard rack and proceed to the next hand.

The second method is a bit more involved since the dealer’s actions are going to depend on whether the player wins, loses or pushes. The dealer will start from the right hand side and go left. If the player loses, the wager will be taken and the cards will be put in the discard rack. If the player pushes, the dealer will pat the table, indicating to the cameras that it’s a push, and then place the cards in the discard rack. And if the player wins, the bet will be left alone and the cards will be left facing up until all of the other hands have been determined. In the top picture - The Dealer will make sure the cards are spread far enough apart the cameras can see them -- In the bottom picture - The Players cards are sloppy and are spread into the other players cards

Keep in mind that if you have a full table of winners, the cards will need to be spread far enough that the cameras can see them but not far enough that they get mixed up with their neighbor’s cards. Don’t be sloppy! You don’t want to piss off a player by giving him his neighbor’s crappy cards.

When everyone’s hand is resolved, the dealer will start from the right hand side and go left when paying the player’s wager, minus the 5% commission. Make sure to put the cards in the discard rack after each individual bet has been paid.


Winning bets are charged a 5% commission which will be collected immediately by the dealer. This means that for every $5 the player wins they must pay a $0.25 commission. When calculating the math for commission, the dealer has two options. The first option is to take 10% of the bet and divide it by 2.

The second option is to memorize the basic chart and add the commissions as you go. So if you can remember that every $5 bet owes a $0.25 commission, every $20 bet owes a $1.00 commission and every $100 bet owes a $5 commission then you should be good to go.

Did you notice on the chart that both $1 and $5 bet is charged the same commission of $0.25? The reason why is because commissions are paid to the nearest quarter. Another word for this is “Breakage” which means when the amount is either rounded up or down in the casino’s favor. Breakage has a secondary meaning and it is, a policy casinos use to increase profits, by using math against the unsuspecting player. An example of breakage is, if the player bets $18, you can’t really ask them for a $0.90 commission on the extra $3; this is when breakage applies. If the player has a bet between $1 - $4, then the dealer will round up to the nearest $5 and charge them a $0.25 commission.

All players with winning bets are responsible for their own commissions. Normally, the dealer will just take the commission out of the player’s winning bet but if the player has the coinage then they may elect to pay the commission themselves instead. If that happens, then all winning payoffs must be sized into the bet and proven before any commission is collected.

Playing as Banker

Two pictures of the Player Banker button.

“Banker” is just a title, given to a position, and it can be either a dealer or a player. When the player takes on the role as the banker, they’re called “Player-Banker”, and at the same time, the house will act as a player, even though the dealer will still handle all of the cards and cheques. The reason why someone would want to play as the Banker, is because the rules are slanted in favor towards the Banker. So when playing as Banker, the player is basically playing with zero house edge.

At the very beginning, the house will start off the round as Banker. Once the dealer has banked a hand, the Banker position will rotate around the table, starting from the dealer’s right hand side and going left.

A “Banker” button is placed in front of the betting circle to indicate who is banking, and because every casino is different, there are some casinos that will want the dealer to place the “Banker” button inside the betting circle. In these cases, the Player-Banker’s wager does not have to be inside the betting circle as long as the player has sufficient funds. Each player has the option to bank a hand or pass up the turn, and players are only allowed to bank one hand per rotation. The “Banker” button will always be in rotation, going back and forth between the players and the dealer. If there are no players who want to Bank, then the dealer will automatically be the “Banker” until there is a player who request to Bank. Every casino is different, but in Las Vegas, it’s okay for the player to bank, if it’s only themselves and the dealer at the table.

If a player wants to bank a hand, then they must have wagered on the previous hand, before they can qualify as Banker. The reason why the amount the player wagered on the last hand matters, is because both the player and the dealer must wager that same amount when the player is banking. Another thing the player must have to qualify for Banker is enough currency to cover all of the player’s bets on the table. This is because all of the other players, plus the dealer, are now playing against the Player-Banker; and the Player-Banker must have enough money to cover all of those bets. If there is any question of the Player-Banker’s ability to cover all bets, call over the floor.

The Player, acting as the Banker, must bank on the same spot as their previous wager. If the player had previously bet on two spots, than the spot with the very last wager played will be both the spot and wager used for banking.

a The dealer places the wager on top of their cards.

After all of the bets have been placed, the dealer will lay out their “wager” last by placing it on the center of the table in front of the rack. If the table has a random number generator, then card placement will be determined by that, but if the table uses dice then the Player-Banker will be the one to shake the cup and expose the dice. When counting spots to determine who will get the first hand, make sure to start with the Player-Banker since the Banker spot is always #1, and then continue counter clock-wise. After the dealer gives himself a hand, he will place the house bet on top of the cards.

Two pictures of the different locations that the Player Banker button can be.

All of the other players on the table, except the Player-Banker and the dealer, will set their hand first. When everyone is finished, the Player-Banker is allowed to set their cards. Only when the Player-Banker is finished ranking their cards is the dealer finally allowed to set his hand. This is a good time to remind you that, unlike players, both the house and the player-banker cannot foul a hand. If a hand is set wrong by the player-banker then the house will take control of the hand and reset it the house way. If the dealer has to reset the hand, the Player-Banker is still financially responsible for the outcome of all the hands.

When the dealer has finished setting his hand, he will flip over the Player-Banker’s cards first, compare them with each other and then complete the take-and-pay procedure. If the Player-Banker beats the dealers hand then the dealer will leave their “wager” up on the center of the table and this is now the beginning of the Player-Banker’s bankroll. If the Player-Banker loses, then they have to pay the “wager” and the dealer will take the cheques and verify that it is the same amount before locking them up in the rack.

The dealer will place the houses cards in the discard rack before snatching up the Player-Banker’s cards and placing them in front of the dealer. Now that the Player-Banker’s cards are in front of the dealer, he will proceed as normal. Starting from the right hand side and going left, the dealer will compare the Player-Banker’s cards with the Players cards and if the hand is a tie, the bet is pushed and no money is exchanged. If the player loses, then the money is taken and placed in the Player-Banker’s bankroll, located at the center of the table. If the player wins, then the dealer will pay them from the bankroll, minus a 5% commission going to the house. If there is no money in the bankroll, then the Player-Banker will give the dealer the correct amount of money needed to pay the bet. At the end of the round, the remaining bankroll will be given to the Player-Banker, minus a 5% commission on the winnings.

Every casino is different, but in some casinos, when the player banks a hand, they have the option of requesting that the dealer co-bank with them. Co-banking means that the house will bankroll as partner for 50% of the declared player’s bet. The Player-Banker’s hand will be set the house way by the house dealer, which means the dealer will not receive a hand.

At a number of casinos, the Player-Banker will have the option to ask the dealer to sit out, which means that the house will not place a wager or play a hand. Now, I know what you dealers out there are thinking! This doesn’t mean that it’s a good time for the dealer to go take a smoke break, a coffee break, or any other kind of break! The dealer is still responsible for staying at the table, dealing the cards and collecting the 5% commission. At other casinos, the Player-Banker can ask the dealer to bet an amount less than the Player-Banker’s previous wager. In any case, the house minimum and maximum will always apply between the Player-Banker and all of the other players.

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