Betting in most online games is very simple in that you make a single opening bet and that is the end of it. In some Pai Gow games there are separate bets for the front and back hands, but this is unusual in on-line play.
If both hands lose to the dealer, you lose your bet. If both hands win, you win even money. If one hand wins and the other loses, it’s a push. If your hands are the same as the dealer’s, called “copies”, the dealer wins. Obviously that’s an attraction of playing dealer/banker in multi-player games. In such games, you minimize your losses by betting low when you are a player and being dealer/banker whenever possible.
If the player wins, the house takes a 5% commission: you get $4.75 of a $5 winning bet.
There are a number of issues related to the multi-player games when it comes to the dealer/banker question. Keep in mind that none of this applies to typical single-player on-line play.
Dealer/Banker: In multi-player Pai Gow games the bank rotates from person to person, where a player may pass the deal if they choose. If you want to deal you must have enough money on the table to broker all other bets made. If you are uncomfortable with the full risk of banking, another player may co-bank with you as dealer and the two of you will split the wins and losses. The house will bank if no player is willing to do it. If a player is banking, the dealer can be a player, wagering as the banker asks. If a player is the banker then the dealer will first compare their own hands to that of the banker and make the appropriate payments. Then the dealer will take the banker’s cards and compare them to the other players, using the banker’s money.
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