New Jersey Administrative Code
Title 13 - LAW AND PUBLIC SAFETY
Chapter 69F - RULES OF THE GAMES
Subchapter 7 - MINI-BACCARAT
Section 13:69F-7.3 - Payout odds; vigorish

Universal Citation: NJ Admin Code 13:69F-7.3

Current through Register Vol. 56, No. 18, September 16, 2024

(a) A winning wager made on the "Player's Hand" shall be paid off by a casino licensee at odds of 1 to 1.

(b) A winning tie bet shall be paid off by a casino licensee at odds of at least 8 to 1.

(c) Except as otherwise provided in (d), (f), and (i) below, a winning wager made on the "Banker's Hand" shall be paid off by a casino licensee at odds of 1 to 1, except that the casino licensee shall extract a commission known as "vigorish" from the winning player in an amount equal to, in the casino licensee's discretion, either four or five percent of the amount won.

1. When collecting the vigorish, the casino licensee may round off the vigorish to five cents or the next highest multiple of five cents.

2. A casino licensee may collect the vigorish from a player at the time the winning payout is made or defer the collection until reshuffling the cards or at the end of the patron's play for that session. The amount of any deferred vigorish shall be evidenced by the placing of a coin or marker button containing the amount of the vigorish owed in a rectangular space in front of the dealer on the layout imprinted with the number of the player owing such vigorish. The coin or marker button shall not be removed from the layout until the vigorish owed is collected or documented on an Uncollected Vigorish form pursuant to 13:69D-1.30.

3. Any vigorish deferred by the casino licensee but not collected from a player for any reason shall be recorded in the calculation of table game win for that table by the casino licensee in accordance with the casino licensee's internal control procedures, which internal controls shall, at a minimum, require:
i. The preparation by the pit clerk of a serially prenumbered Complimentary Vigorish Form ("Form"), consisting of an original and a duplicate copy, at a minimum, and on which shall be recorded the amount of the vigorish that was not collected, the name of the patron from whom the vigorish was not collected, and the signatures of the dealer, pit boss and pit clerk, as well as the signature of the patron if available, or a statement by the dealer or pit boss as to why the patron's signature could not be obtained;

ii. That the series numbers of all Forms received by a casino licensee shall be accounted for by casino employees, that access to the Form prior to use shall be restricted to pit clerks, and that each series of Forms shall be used in sequential order;

iii. The deposit of the original Form in the drop box by the dealer, in the presence of the pit boss and pit clerk who signed the Form;

iv. The retention of the duplicate copy of the Form by the pit clerk, for forwarding to the casino accounting department at the end of the gaming day, where it will be compared to the original Form placed in the drop box;

v. That the original and duplicate copy of all void Forms shall be marked "VOID," shall require the signatures of the pit boss and pit clerk, and shall be retained by the pit clerk until they are forwarded to the casino accounting department at the end of the gaming day; and

vi. Procedures for recording, no later than at the end of the gaming day, the amount of vigorish paid by the casino licensee as a cash complimentary to that patron.

4. All deferred vigorish shall be collected or documented in accordance with (c)3 above when each shoe of cards is completed or when the patron leaves the gaming table, whichever occurs first.

(d) A casino licensee may, in its discretion, charge every player at a mini-baccarat table a vigorish equal to 25 percent of the player's wager on the "Banker's Hand" if the point counts of the "Banker's Hand" and the "Player's Hand" are equal. The vigorish authorized by this subsection shall be collected at the end of the round of play and prior to any cards being dealt for the next round of play. If a casino licensee elects to charge the vigorish authorized by this subsection, the vigorish otherwise required by (c) above shall not be collected.

(e) Each casino licensee shall provide notice of any change in the type of vigorish being charged or increase in the percentage of vigorish being charged at each mini-baccarat table, in accordance with 13:69F-8.3. The type and percentage of vigorish charged at a mini-baccarat table shall apply to all players at that table.

(f) Notwithstanding (c) through (e) above, a casino licensee may, in its discretion, pay a winning wager made on the "Banker's Hand" at odds of 1 to 1 and not collect any vigorish from the winning player provided that the casino licensee offers one, but not both, of the following options and complies with the notice requirements set forth in 13:69F-8.3:

1. Any winning wager on a "Banker's Hand" that has a point count of six shall be paid off by the casino licensee at odds of 1 to 2; or

2. The player has made one or more of the total card wagers authorized by 13:69F-7.2(a)4 in a total amount that is equal to or greater than the player's wager on the Banker's Hand for that round of play.

(g) If a casino licensee offers the total card wagers authorized by 13:69F-7.2(a)4, winning wagers shall be paid by a casino licensee at the following odds:

Total Cards DealtPayout
Four3 to 2
Five2 to 1
Six2 to 1

(h) No vigorish shall be charged on a winning optional bonus wager. A casino licensee shall pay an optional bonus wager for hands that are not a "natural" with prescribed winning margins and for "natural" winning hands at not less than the odds listed in one of the following alternative payout schedules:

PAYTABLE A
Win by 9 points30 to 1
Win by 8 points10 to 1
Win by 7 points6 to 1
Win by 6 points4 to 1
Win by 5 points2 to 1
Win by 4 points1 to 1
Natural winner1 to 1

PAYTABLE B
Win by 9 points20 to 1
Win by 8 points8 to 1
Win by 7 points7 to 1
Win by 6 points4 to 1
Win by 5 points3 to 1
Win by 4 points1 to 1
Natural winner1 to 1

PAYTABLE C
Win by 9 points30 to 1
Win by 8 points10 to 1
Win by 6 or 7 points4 to 1
Win by 4 or 5 points2 to 1
Natural winner1 to 1

(i) A casino licensee may offer a variation of mini-baccarat in which vigorish otherwise required by (c) above shall not be collected; provided, however, that a three-card "Banker's Hand" with a point count of 7 that wins (dragon 7 hand) shall be deemed a push.

(j) If a casino licensee offers the variation of mini-baccarat in (i) above, a winning dragon 7 wager shall be paid by a casino licensee at odds not less than 40 to 1.

Disclaimer: These regulations may not be the most recent version. New Jersey may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.