Pai Gow Poker Guide

Want to play pai gow poker online but you’re not sure where to start? You’ll find our favorite casinos below. We ranked these sites using our B.E.S.T rating system. This ensures that all our recommendations are safe and trustworthy, and that they have a variety of pai gow poker games, deposit methods, and welcome bonuses.

Have you ever played pai gow poker before? It is a fun game to play if you enjoy poker. It is also a good option if you’re tired of the same old table games, like blackjack or baccarat, but want to stick to a table or card game.

If you don’t know how to play pai gow poker but want to give it a shot, you’ll learn everything you need to know in this guide. Here is everything we cover.

Pai Gow Poker vs. Pai Gow

A common mistake we see people make is using the names pai gow and pai gow poker interchangeably. This is a mistake because these are two different games.

Here is an overview explaining some of the critical differences between pai gow and pai gow poker:

Pai Gow Pai Gow Poker
Invented and primarily played in Asian casinos. Invented and primarily played in American casinos.
Uses 32 pai gow tiles or Chinese dominoes. Uses a deck of playing cards with one joker.
Players receive four tiles. Players receive seven cards.
The winner is determined by combining the best possible pairs of tiles. The winner is determined by creating the two best poker hands using standard poker rankings.
A complicated game that is difficult to learn. A straightforward game that is easy to learn, especially if you understand poker hand rankings.
Players often use superstition to determine the tile setup. Players use strategies based on mathematical probabilities to create the best poker hands.

Pai gow and pai gow poker do have some similarities. Both games involve creating two hands and comparing them. Beyond that, the games are different.

We’re covering how to play the pai gow poker card game in this guide, not the pai gow tile game.

Rules of Pai Gow Poker

You can learn how to play pai gow poker in a matter of minutes.

Here is what you need to know.

  • Pai gow poker is played with a standard 52-card deck, along with a single joker.
  • If you are playing live, six players can play at one time, not including the dealer. When there are seven players, one player will act as the dealer/banker.
  • The round officially begins after the players have placed their bets. There is one primary betting option, but some pai gow poker variants have side betting options.
  • Players typically compete against the dealer. However, there is a way to compete against other players if you decide to bank or co-bank.
  • Each player gets seven cards. The dealer gets a seven-card hand, too. That leaves four cards in the deck, which are used as tie-breakers in some pai gow poker variations.
  • The objective of pai gow poker is to create two poker hands that can beat the dealer. One hand will have two cards and the other five cards. This action is called setting the hands.

Setting the hands is where strategy comes into play in pai gow poker. You get to decide which cards you want to include in each hand.

The two-card hand goes on top or in front. Your only options are a pair or a high card. Your five-card hand must be better than the two-card hand.

Jokers are semi-wild or a bug card. It is typically an ace, but you can also use it to create a straight, flush, straight flush, or royal flush.

Once everyone has set their hands, the dealer reveals their cards. They have specific rules that they use to determine which cards can be used in each hand. These pai gow poker dealer rules are referred to as the house way.

Your hands will get compared to the dealer’s hands, and the winning hands will get paid out. That will signal the end of the round.

  • If both of your hands are better than the dealer’s, you will receive your bet plus even money back. Traditionally, casinos charge a 5% commission on all winning bets.
  • When one of your hands is better than the dealer’s, and the other hand loses to the dealer, the hand will push. You will get to keep your stake.
  • If both of your hands are the same as or worse than the dealer’s, you will lose your stake. Tied hands are not a push according to pai gow poker rules.

That’s all there is to know how to play pai gow poker games. You can start playing pai gow poker right now with just this information.

But if you’re not ready yet, you can keep reading. In the next section, we’ll talk about setting your pai gow poker hands the house way.

What Is the House Way in Pai Gow Poker?

In pai gow poker, there are specific rules about how the dealer has to set their hands. If you are co-banking the hand with the casino, you will also have to follow these rules.

Pai gow poker dealer rules are known as the house way. Many players choose to follow the house way when setting their hands because it gives them the best odds.

However, the house way varies from one casino to the next. That’s because casinos modify the house way to adjust the house edge based on the side bets and other rule variations they offer.

You want to find out what the house way is BEFORE you start playing. That way, you can modify your pai gow poker strategy accordingly.

Setting Your Hands the House Way in Pai Gow Poker

When you are playing pai gow poker online, the computer will suggest hand settings based on the house way.

But you shouldn’t expect the casino to tell you how to set your hands when you play pai gow poker live. You’re going to need to know how to set your own hands.

Some pai gow poker house way rules are easier to remember than others. We’ll start with the easy rules first, then look at the more complicated ones after.

Here are the easiest house way rules to remember:

  • No pair – Place the 2nd and 3rd highest cards in front.
  • One pair – Place the pair in the back and the highest two other cards in front.
  • Three pair – Place the highest pair in front.
  • Full house – Put the highest permissible pair in front.
  • Three aces with a joker – If the joker can be used in a straight or flush, play the straight or flush.
  • Joker in a flush – Joker will be used as an ace, and if an Ace is present, the joker will be the next highest value card.

Now let’s look at some of the more complicated house way rules for pai gow poker. We’ll use the house way rules from the Trump Plaza Casino that was demolished in February 2021.

Here is how we will refer to different strength pairs.

  • 2 through 6 – low pairs
  • 7 through 10 – medium pairs
  • Jack through king – high pairs

Also, remember that your back (5-card) hand must be stronger than your front hand when using the information from these tables.

House Way for Two Pair
Hand Strategy
Low / low Play two pair in the back with a king or better. Otherwise split.
Low / medium As above.
Low / high Play two pair in the back with an ace or better. Otherwise split.
Medium / medium Play two pair in the back with an ace or better. Otherwise split.
Medium / high Split.
High / high Split.
Aces or other pairs Split.
House Way for Three of a Kind
Hand Strategy
Aces Place ace and the next highest card in front.
Kings and below Place three of a kind in back and the two highest other cards in front.
Two sets Place pair from the highest set in front.
House Way for a Straight or Flush
Hand Strategy
One pair Play the straight or flush in the back.
Two pair Play according to two-pair rules.
Three of a kind Place complete hand in back and the pair in front.
Ace with a pair of kings, queens, or jacks Place the ace in front and the pair in back if that will improve the hand.
Straight or Flush? When deciding whether to play the straight or flush, you should play whichever hand will give you the strongest front hand.
House Way for Four of a Kind
Hand Strategy
Jacks through Aces Split.
7 through 10 Split, unless an ace or king can be played in front.
2 through 6 Never split.
Five aces Play a pair of aces in front unless a pair of kings can be played in front instead.

Many of these house way rules should be easy to remember because they make the most sense based on the poker hands available and the basic pai gow poker rules.

However, some specific instances can be challenging to remember. For example, it may feel counter-intuitive to break up a full house to make a better pair for your front hand. But that is the house way.

The more you practice the game, the more you will remember. It won’t be long before you don’t need our instructions for pai gow poker or setting your hands the house way.

And you certainly won’t need them if you play online pai gow poker since the AI tells you how to set your hands.

In fact, if you play pai gow poker online, you won’t need to read the next section about banking, either.

Banking and Co-banking

Banking in pai gow poker

When you play pai gow poker games in a land-based casino, you may have the option to bank or co-bank the games.

If you choose to bank the game, you will act as the dealer. This means you’re competing against all the other players at the table. You’ll get to keep all the losing stakes, but you must pay out the winnings, too.

It probably goes without saying, but you must have enough money on the table to payout all of the other players’ bets if you want to be the banker in a pai gow poker game.

However, some casinos will allow you to co-bank. This means you split the cost with the casino.

If you are co-banking, you will have to follow the house way to determine how you set your hands.

Many players pass when it is their turn to act as the banker because they are unsure how it works. But, what they may not realize is that the house edge is much lower when you bank in pai gow poker.

The house edge is lower when you’re the banker because you pay a smaller commission to the casino. The commission is based on the net winnings for the entire hand rather than individual bets.

When you are the sole banker, you can cut the house edge in half if you know what you are doing. The only time you should pass on the opportunity to bank is if you don’t have a large enough bankroll.

Unfortunately, banking and co-banking are not available when you play pai gow poker online since it’s a digital game that does not include other players.

Pai Gow Poker Variations and Side Bets

Now that you understand the basic rules for playing pai gow poker, you are ready to learn about the different variants and side bets that are available.

Variants

These are the most common variants of pai gow poker.

Commission-Free Pai Gow Poker

Some casinos offer a commission-free pai gow variation where the winning bets pay even money. The house edge for these games is only 1.30%.

Commission-free games are rare because the casino only makes money on losing bets and side bets.

EZ Pai Gow Poker

This variant is a commission-free version of pai gow poker. However, to make up for the loss of the commission, there are additional hands that end in a push instead of a win.

For example, if the dealer has a queen-high as their five-card hand, the hand automatically pushes, no matter what hand the player has.

No-Push Pai Gow Poker

No-push pai gow poker games are rare and are typically only found in Station Casinos in Las Vegas. They do not offer banking for this variant, and there is no commission.

Push hands are not allowed, either. If the dealer ties with one of the player’s hands, they will take two of the four left-over cards to determine the tie-breaker.

The dealer and player each get one card face-down. As long as the dealer’s card is equal to or higher than the player’s card, the dealer wins. The player wins when their tie-breaking card is higher than the dealer’s card.

Fortune Pai Gow

Fortune Pai Gow entails players adding money to a progressive pot. A player will win the progressive total or Fortune value if that person gets a four of a kind or higher.

Other players at the table may get an “envy bonus” if they wager enough money and another player gets the Fortune payout.

Insurance Pai Gow

An insurance Pai Gow game allows you to place a side bet that a non-winning hand will appear. You could get a higher payout if you have a hand with an ace as the high card but with no pairs, flushes, or straights.

The total payout could be even higher if you have a nine or lower as the most valuable card and no other features that can make up a hand.

Those are the main pai gow poker variations that you can enjoy. Be sure to modify your strategy if you choose to play one of these variants. We’ll discuss some strategies for playing pai gow poker in a moment.

Those are the three main pai gow poker variations that you can enjoy. Be sure to modify your strategy if you choose to play one of these variants. We’ll discuss some strategies for playing pai gow poker in a moment.

Side Bets

This table shows some of the most common side bets you’ll see playing pai gow poker online or in land-based casinos.

Side Bet Description House Edge Payouts
Fortune Pai Gow Bonus Wager The player wagers that he will create a qualifying five-card poker hand with his seven cards. They must have a straight or higher hand to win the bet. 7.77% 2:1 to 5,000:1
Envy Bonus This side bet is attached to the fortune pai gow side bet. Players who bet $5+ on the side bet automatically qualify. This pays out when any player at the table wins the bonus wager. 5.30%-8.00% $5 to $3,000
Emperor’s Challenge The player wagers that they will have a seven-card pai gow, meaning that they can’t create any pairs or better poker hands with the cards they were dealt. 7.35% 3:1 to 100:1
Pai Gow Progressive Jackpot If you choose to play pai gow poker with a progressive jackpot, you will have to stake an additional $5 minimum bet toward the progressive side bet. The jackpot pays out on a 7-card straight flush. 11.54%* Current jackpot
Queen’s Dragon This side bet pays out if the dealer/banker has a queen-high pai gow hand (non-ranking hand). 18.84% 50:1
Jokolor The jokolor side bet pays out if the player has a joker and/or all of their cards are the same color. 3.90% Up to 30:1

* The house edge decreases as the jackpot amount increases.

Pai Gow Poker Strategies

Pai gow poker strategy

In most cases, playing the house way is considered the best strategy for pai gow poker.

However, it can be challenging to remember the house way in every situation.

The house way varies from one casino to the next. It’s hard to keep up with it all.

But there are a couple of things you can do to get better at setting your pai gow poker hand the house way.

  • Use a pai gow poker strategy calculator. Just input your cards and the calculator will recommend the best strategy using the house way rules.
  • Play pai gow poker online for free. Most online casinos offer practice or demo versions of their game. This is a great way to learn the rules for how to play pai gow poker, as well as setting your hands the house way.

In fact, why not combine both of these strategies? That’s what we would do.

Study the house way rules for pai gow poker using our tables above. Memorize them the best you can. Then play a hand of pai gow poker online.

Once you’re done with the hand, check the calculator to see if it recommended the same move you made.

You’re going to make mistakes at first. But the more hands you play, the better you’ll get at setting your hands the house way, which is the only set of strategies for pai gow poker you need to know.

It won’t be long before you’re ready to play pai gow poker for real money.

Getting Started With Online Pai Gow

You can play Pai Gow online for real money by following a few simple steps. Let’s take a look at how to get started.

Join an Online Casino With Pai Gow

We recommend playing real money online Pai Gow Poker at the following top casinos:

These are the best online casinos for real money Pai Gow right now. To find out more about how we select our recommendations, take a look at the page on our ranking process.

Sign Up for A Real Money Account

You will need to provide some information to your chosen casino start playing real money Pai Gow games. The website will need your payment information and other contact details.

You might have to confirm your identity with the site with ID documents, although exact requirements vary at different online gambling sites.

Make A Deposit

All real money gambling sites accept various payment methods.

You can add cash to your account by using a credit or debit card or a transfer from an online wallet service. Some sites also accept cryptocurrency payments.

Review the Available Bonuses

Most gambling sites online these days offer bonuses to new players. You can enjoy a bonus where the site will match whatever you deposit and give you “free” money for use on games.

Note the terms for a bonus can vary surrounding how much you have to deposit, what games you can use the bonus money on, and the playthrough rules. Not all bonuses let you play real money Pai Gow games, so take note of the terms before you start playing.

Real Money Pai Gow on Mobile

Some of the top real money Pai Gow sites offer mobile games. This means you can play online Pai Gow for real cash using your smartphone, tablet, or other mobile device.

Typically, you simply load up a Pai Gow casino website on your mobile browser. Many of the best online Pai Gow casinos offer mobile versions of their sites that work on tablets and smartphones.

Some sites also let you download an app on your device. You’d have to visit the Pai Gow casino website to find a link for downloading this. You should get information on how to install the app from there.

You can then use the mobile interface to select your wagers and how you will play with your cards. The interface is essentially the same as what you’d find on desktop Pai Gow sites, just a bit smaller.

Real Money Casino Games Like Pai Gow

You will usually have a plenty of options to consider when playing games at the best real money Pai Gow casino sites. Most of them offer a wide variety of different games, and these include a few games that are similar to Pai Gow.

Caribbean Stud

Caribbean Stud is played with a five-card hand. You will get five cards and then bet on whether your hand is better than what the dealer will produce.

The game gives out higher payouts when you have a less common hand, but it only works if the dealer has good enough of a hand to compete.

  • Real Money Caribbean Stud

Caribbean Hold’em

Another game that entails comparing five-card hands, you and the dealer will get two cards each. You’ll then review three community cards. You will raise your bet or fold, depending on what you feel could happen before the fourth and fifth community cards appear.

The winner is the one with the best possible hand. You will only collect the reward if the dealer has a good enough hand to qualify.

Tri-Card Poker

You can also play a smaller version of poker that deals three cards for each person. You can bet on whether your three-card hand has a higher value than whatever the dealer will receive.

This game is also known as three card poker, and it’s become a popular game at real money casinos in recent years.

Let ‘em Ride

You will get five cards, but only three will appear face up at the start. You can choose to raise your bet or use the same value as each card is revealed.

The idea here is to raise the bet if you feel you’re going to get a hand that will pay at the end.

Pai Gow Poker FAQ

Who invented Pai Gow Poker?
A

Pai gow poker was invented in 1985 by Sam Torosian, who owned the Bell Card Club. Torosian got terrible advice from a lawyer, who told him that he could not patent his new game.

The game gained popularity after he added it to his casino, and other casinos quickly followed. Unfortunately, Torosian couldn’t make money on his idea because he never patented the game.

But, the lack of a patent made it easier for new casinos to access this exciting poker game, which is why it gained popularity so quickly.

What is a Pai Gow?
A

The term pai gow can have two definitions. It can refer to the Chinese domino tiles used to play traditional pai gow. Or it can refer to a non-hand in pai gow poker.

When you are playing pai gow poker, and you get dealt a pai gow, that means that you cannot make any pair or better poker hands with the cards you were dealt.

Can you cheat at Pai Gow Poker?
A

The only way to cheat during a game of pai gow poker is to figure out what cards the dealer has before you set your hands. You can get that information by distracting the dealer, edge sorting, and looking at their hole cards.

However, all these methods are unreliable and not worth the consequences you could face if the casino catches you. It is better to use proper pai gow poker strategy, as well as bank the game when you can.

Can I play Pai Gow Poker on my mobile device?
A

Most online casinos use HTML5 for their casino. This allows them to offer games that will automatically change its size to fit your screen. That includes mobile devices.

So, yes, you can play mobile pai gow poker. You don’t have to download any software, either. All you need is a mobile device, mobile browser, and an account with a legitimate online casino.

Can I play Pai Gow Poker for free?
A

Yes! Real money online casinos offer demo games of all of their games. You can play unlimited free pai gow poker on any of these sites without downloading anything. Sometimes you don’t even need to create an account.

How do you play Pai Gow Poker online?
A

There’s not much to it. It’s only going to be you and the computer, no one else. You’ll place your bet and the dealer will give you your cards. Then the casino will offer to set your hand the house way, or you can choose to set your hand yourself.

The dealer will then flip its cards over and set them the house way. Whoever has the best hand per the casino’s pai gow poker game rules is the winner. If that’s you, then you’ll be paid according to their pay table.

That’s the gist. But if you’re totally new to online casino gambling, we recommend you start with our introduction to online casinos

.
Kevin Roberts
Kevin Roberts Administrator

Kevin Roberts, previously published under the pseudonym Noah Davis, is one of the more diverse writers at GamblingSites.com. Like many of his colleagues, he's a huge fan of both football and basketball. But he also writes about box office records, TV show prop bets, DFS, and all kinds of other subjects.

When it comes to the NFL, Kevin's favorite team is the Green Bay Packers. He enjoys cheering them on with his wife and daughter.

More Articles by Kevin