How Are Blackjack Payouts Calculated?

In blackjack, the player is dealt two cards face down. The player can either keep the two cards or fold them.

If the player chooses to keep the two cards, they then compare the two cards and decide whether to hit or stand. If they choose to stand, they are then given another card and the process repeats.

The payoff for a blackjack hand is based on three factors: the number of “bumps” (or points), the face value of the original card and the blackjack score. A “bumper” (or point) is a score of 14 or more on a Blackjack 20 hand. The face value of an original card is its rank (2 through 10) plus any additional points that are assigned to that particular rank. For example, if an 8 was originally dealt with a rank of 2 and 1 point was added to all 8s, then the original 8 would be worth 3 points in Blackjack 20.

Finally, Blackjack 20 has a minimum score of 0 and a maximum score of 21. Therefore, a hand with an initial total of 16 would be worth at least 2 bumps, or 4 points, and would be worth at least 3 bumps, or 6 points, depending on the other players’ hands as well as the dealer’s hand.

After all players have finished playing their hands, any player with at least 17 points (2 bumps + 3 points from original card + any additional points from wilds or rules) wins the hand. Any other hand results in a loss for the player with the Lowest “point total.”.

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