In a game like blackjack, you never know whether you'll have a winning or a losing hand. As a result, if the latter occurs, having an alternative or a way out would be beneficial. Before the round is completed and the dealer cards are revealed, players can cash out via an action called Early Payout.

Players are constantly looking for innovative tactics to win hands and reduce the house edge, and the early payout is a blackjack choice that allows them to do so. It lives true to its name in that players can accept early rewards while the game is still in process, without waiting for their hand to be completed. Users can save a portion of their initial stake in this manner. So, needless to say, this option has the potential to be beneficial for players who understand how to use it effectively.

Today's article will give you a profound explanation of how this strategy works in blackjack, their included side bets, when and how to use them, and whether you should use this method. Let's start right now. 

What Is Early Payout in Blackjack?

A Blackjack game that allows Early Payout begins with the player entering the table and putting one or more initial bets. The dealer then gives two face-up cards to each player, while he receives one face-up and one face-down card. The dealer then completes the hands in line with the best blackjack early payout method. The player can elect to leave the game at any time and request an early payment depending on the strength of their hand and the dealer's face-up card strength.

What Is Early Payout in Blackjack?
Early Payout in Blackjack (Source: Freepik)

For example, you have an 18 or a 19 in your hand, and just when you think you've won, the dealer defeats you with a 20 even if his upcard is a 6. At this moment, the early payout can be a way for you to get out of this mess while still preserving at least some of your initial investment.

This is when blackjack's early payout option comes into play. If the game is not favorable for you, this option allows you to exit the game early. The casino will pay you for the hands you believe you have a chance of winning, but not for the whole sum.

You will, however, have the opportunity to respond and lock in the sum before the dealer turns their face-down card upright and makes a move.

It will be determined by the cards dealt to you and the dealer's face-up card. If you have a poor hand and the dealer has a powerful face-up card, the payoff will be less than your original stake, and vice versa.

Two of the Side Bets Employed in Blackjack Early Payout

You will also have the opportunity to place side bets in both conventional online blackjack and various varieties of this game. They aim to tempt the client to wager on specific card combinations that he may get as his two cards plus the dealer's upcard. However, players lose more frequently because these bets have a significant house edge. Below, we will mention the two primary side bets in blackjack. 

Side Bet on Perfect Pairs

The participants wager that the first two cards dealt to them will form a pair. There are three sorts of pairings, each with a different set of odds.

Side Bet on Rummy

This is a combination of the player's first two cards and the dealer's upcard. To win this bet, the three cards must be of the same rank or suit, or you must hit a straight.

About the payout of these side bets, many online casinos pay 11:1 if the first two cards are a pair, regardless of whether the pair is flawless. If the player's first two cards plus the dealer's face-up card form three-of-a-kind, three-card straight, or three-card flush, the rummy side bet pays 9:1. 

Notably, the early payout restriction has no bearing on these two side bets.

When to Use Early Payout in Blackjack

As mentioned above, you can elect to leave the game at any time and request an early payment depending on the strength of your hand and the dealer's face-up card strength. Typically, the dealer will provide odds depending on your hand's relative strength and the dealer's known cards.

When to Use Early Payout in Blackjack
When to Use Early Payout in Blackjack (Source: Freepik)

For example, if your hand is pretty strong, but the dealer's upcard isn't, you'll receive a payout more significant than your bet but less than the typical 1:1 payout for a regular win. A weak player card, on the other hand, will give a blackjack early payoff that is less than your investment. This suggests two potential applications for a blackjack early payout strategy:

If You Feel You Will Lose, Use This Strategy to Cut Your Losses 

Early payout is essentially equivalent to the surrender option in this situation. However, the reward is not fixed but rather dynamic. Depending on the circumstances, this might work both for and against you.

If You Think You Gonna Win, Securing a Triumph at the Expense of Poorer Returns

You can request an early payout if things appear to be going well, but you don't want to risk a powerful hand. You'll be sure to make a profit in blackjack early payout, albeit a lesser one than you would if you waited until the finish.

How Is Blackjack Early Payout Played? 

The gamblers are dealt two face-up cards after putting their initial stakes. The dealer is dealt two cards as well, but only one of them is an upcard. At this moment, you can choose to follow the traditional blackjack strategy or take an early payout after obtaining your two cards. If you pick the early payment option, the value of your and the dealer's face-up cards will determine your reward. 

If you wish to go for an early payout, you must first determine if your hand qualifies. Some hands will have to be played out. If yours is suitable, you should figure out how much of your initial wager you can get back.

It should be noted that the reward will be far lesser than if you won that hand directly. To give you an example, if you wager $5 and get a hand of 18-20, the early payoff value might be as little as $0.20 per $1.

Taking repeated early payouts just raises the house edge against consumers, and this is how online casinos make use of this choice.

Should We Play Blackjack Early Payout? 

Many players are unsure if an early payout regulation is a profitable or harmful action. With all the facts and experience from our experts, it is safe to say it is a good thing. 

To begin with, if a player is given a terrible hand, he can simply preserve his original wager, request an early payout, and try his luck again in the next game. That component functions similarly to Surrender in a standard blackjack game, which is often viewed as a player-friendly regulation.

Also, if you utilize simple card counting tactics, this feature may show its effectiveness. Assume you hold a hand of 12 or 13 and are aware that numerous low cards have already been played. You may take an early payoff in this instance since you know your odds of losing are great.

For the high-rollers, though, this strategy doesn't seem to be their priority. These players trade a lot of risk in search of big wins, and accepting small winnings in exchange for safety may not satisfy their blackjack experience.

So whether you should use this strategy depends mainly on your gaming purpose. If your ultimate goal is profit and a high win rate, use it whenever possible. On the contrary, if you consider blackjack as a game of entertainment and are only satisfied with big wins regardless of previous losses, you should not claim an early payout.


Early payout is a popular strategy in blackjack. It provides a safe exit for players looking to protect their strong hand or a valid surrender if you feel like you're on the verge of losing. Depending on your gambling goals, this strategy can work if you use it at the right times.

Published: 08 August 2022 14:45