Pa i Gow Poker is a card game played with a 53-card deck consisting of a standard deck of 52 cards plus one Joker. In this version of Pai Gow Poker, the banker (or house) always plays as the dealer and covers all bets, and the player only competes against the dealer. The player receives seven cards, which must then be "set" or split into two poker hands: a five-card hand and a two-card hand. Once split, the player's two hands are compared with the dealer's two hands to determine the winner.

The bank pays the winner--minus a 5% commission--and the game ends. The commission is 5% of the bet and is rounded up to the next quarter. For example, a minimum bet of $6 would be a commission of 50 cents. (5% of $6 = 30 cents, but since the commission is rounded up to the next 25 cents; the commission is actually 50 cents. 5% of $11 = 55 cents, which makes the actual commission 75 cents.)