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Smart blackjack players are always looking for an edge. They want to reduce the house advantage, and Blackjack Early Payout is a blackjack variation that makes this possible. It also involves a gamble that could backfire on the player and reduce their winnings.

Counting Edge has started to notice this version of blackjack appearing in casinos that have live dealer games. Before you jump in and start playing, here’s a closer look at Blackjack Early Payout.

The Basics of Blackjack Early Payout

If there were a way to get paid for your good losing hands in online blackjack, would you take it? Probably so. Think of all the times that your 19 has been beaten by a dealer 20 when the dealer’s upcard was a 6. It happens all the time, and that is what makes blackjack a gambling game. It has a built-in house edge that guarantees the casino a long-term profit.

This situation is one that Blackjack Early Payout was created to address. The basic premise of the game is that the casino will pay you in advance for hands you think should win. You won’t be given a full payout, of course, but you have the chance to lock in a profit before the dealer looks at their hole card and acts on their hand.

Does that sound too good to be true? In a way it is. Like most blackjack variations that are introduced in the casino, there is a catch. The catch involves side bets which entice the player to wager on certain combinations of cards that can appear with the player’s first two cards and the dealer’s up card. The house edge on these side bets is very high, and players lose them almost every time.

The rates for an early payout are predetermined by the casino. There is also a goal here of luring players with good hands to surrender them early to avoid making a full payout.

How Blackjack Early Payout is Dealt

Players begin by taking a seat at the live dealer blackjack table in a casino that offers Early Payout. These games are accessed from the lobby and are clearly identified. Once the player has taken an open seat, he or she waits for the next round of play to begin.

The player makes a wager that is equal or greater to the table minimum bet. The player can also choose to make a Pair bet or a Rummy bet. These side bets are in addition to the minimum wager that is required to play the hand.

Once all players have made their bets, each player is dealt two face up cards in turn. The dealer is dealt one card face up and one card face down. Play then begins by players deciding whether or not they will take an early payout or continue through the hand.

Player Options in Early Payout Blackjack

The first option that players have in this variation of blackjack is deciding whether to take the early payout for their hand. Once the cards have been dealt the player can use the information posted on the table to determine how much they can take in an early payout. The amount of an early payout offered can vary from casino to casino. Not all starting hands for the player qualify for an early payout. That’s right. If you are dealt a starting hand of 16, tough luck. You’re going to have to play it out.

The early payout option will always be substantially less than the amount you would receive if you won the hand outright. As an example we will say that you have bet $5 and received a starting hand of 18-20. Depending on what the blackjack dealer holds, you may be offered an early payout of as little as $0.20 on the dollar for your hand.

Can you see why the online casino would make this deal? They want you to take the early payout every time. Why? Because that only increases the house edge against you. The casino expects to lose a certain number of hands when you hold an 18-20. You are letting them lose without receiving the full payout for your hand. Over time this raises the house advantage against you.

Dealer Options in Early Payout Blackjack

The dealer options in Early Payout Blackjack are just the same as they are in regular blackjack. The dealer is allowed to act according to specific rules. He must hit any hand of 16 or below, and stand on any hand of 17 or above. There is no deviation from this rule.

Should You Play Live Blackjack Early Payout Online?

The tricky thing about playing blackjack variations online is that all of them are attractive in some cases. Winning a side bet on a Royal Match blackjack game can be thrilling, especially when you have a lot of money riding on the table. Sadly, the reality is that you are going to be losing more often than winning.

The sneaky part of Blackjack Early Payout is that it appeals to both low stakes and high stakes player. The low stakes player is usually going to have their lunch eaten with this game. There just is no money to be made at online blackjack winning $1 or less per hand. On the other hand, the high roller might be able to use this game to their advantage.

If you have a $500 bet on a blackjack hand and are given the opportunity to walk away with a guaranteed profit of $100 before the hand is played, is that a good deal? We can’t argue that this type of play could have some advantage. The player has to know when the time is right to take the deal.

We think that online blackjack players are generally better served by sticking to the regular game of blackjack online. This is especially true when playing live dealer blackjack. A live dealer blackjack games reintroduces the possibility of card counting online. That could give you a huge edge, one that surpasses the edge that you would get by playing Blackjack Early Payout.

To play blackjack for money online we recommend that you try one of the recommended casinos. You can read the Casino Max review, Miami Club casino review , High Country casino review, Cherry Jackpot casino review, or Roaring 21 review to name a few.


  1. What is Blackjack Early Payout?
    • Blackjack Early Payout is a variant of the classic Blackjack game where players have the option to take an early payout before the hand is completed. This option allows players to secure a portion of their initial bet if they believe they have a losing hand, thereby potentially reducing the house edge​​.
  2. How does Blackjack Early Payout work?
    • In Blackjack Early Payout, players can opt for an early payout while the game is still in progress, without seeing their hand to completion. This option allows players to save part of their initial bet if they feel that the odds are not in their favor​.
  3. What are the rules for Blackjack Early Payout?
    • The game begins with players joining the table and placing their initial bets. The dealer then deals two face-up cards to each player, while receiving one face-up and one face-down card. The early payout option can be used by players at any point during the game before the hand is completed​.
  4. Why would someone use the Blackjack Early Payout option?
    • Utilizing the early payout option could be advantageous when a player has a particularly weak hand against the dealer’s hand. It allows players to salvage some of their wager instead of facing a total loss, especially when the cards are unfavorable​​.
  5. What are the payouts in Blackjack Early Payout?
    • Players who choose to take the early payout receive a payout amount that is less than the potential payout for winning the hand outright. However, the exact payout ratios may vary depending on the casino and specific game rules. It’s noted that payouts for this game can go up to 99.5%​4​​1​.

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