Atlassino Academy · Baccarat · Lesson 5 of 7

Dragon 7, Panda 8 and pairs

The small circles beside the main bets pay many times the bet, on hands that come seldom. Here is the hand each one is paid on, what a paid bet hands back, and what an hour of each costs.

  • About 20 minutes
  • Illustrated hosts: Maya and Leo
  • Last checked 4 October 2026

An example $5 goes into the Dragon 7 circle at every hand for an hour. What does that hour cost?

The short answer

About $27.40 on average, on eight decks and at 72 hands an hour. The same $5 on the Banker bet costs about $3.81 over the same hour. Dragon 7 is paid 40 to 1 when the Banker hand finishes ahead with three cards totalling 7, and that hand comes too seldom for 40 to 1 to cover it; Panda 8 and the pair bet cost more still. The $5 is only an example bet: not a table minimum, and not a suggested bet.

Four bars, one for each bet, each with the same example bet on every hand for an hour. The bar for the Banker bet is short; the bars for Dragon 7, Panda 8 and the pair bet run many times longer, and the Panda 8 bar and the pair bar are nearly the same length.

The Banker bet, commission included

$3.81 an hour on average

Dragon 7

$27.40 an hour on average

Panda 8

$36.68 an hour on average

The pair bet, on one hand

$37.30 an hour on average

The Banker bet is there for scale: it is a main bet, and lesson 6.3 works its hour out.

Leo holds an open palm over two small empty circles beside the betting circles of a baccarat seat, where one chip lies in the main circle, while Maya, smiling, raises her palm in a polite no.
Maya smiling, explaining with an open hand.

Mayaformer floor supervisor · manners, money and breaks

Some baccarat tables carry small circles beside the three main ones, with names like Dragon 7 and Panda 8. Each small circle pays many times the bet, on a hand that comes seldom, and each small circle is a second bet on every hand you put a chip in it.

Before a chip goes into one, know three things about the circle: the hand it is paid on, what a paid bet hands back, and what the circle costs you over an hour.

Dragon 7 and Panda 8: a three-card 7 or 8 that finishes ahead

A side circle is a bet of its own, settled beside the main bets on the same hand. Dragon 7 and Panda 8 are two such circles, and both are bets on how a hand finishes.

DEALER DRAGON 740 TO 1 PANDA 825 TO 1 PAIR11 TO 1 PLAYER BANKER TIE

One seat, drawn as a plan of our own; a real table carries only the side circles its rules offer.

Dragon 7 is paid when the Banker hand finishes ahead of the Player hand with three cards totalling 7. Panda 8 is paid when the Player hand finishes ahead of the Banker hand with three cards totalling 8. On every other hand both bets are lost.

Player hand
QQQ2299
1
Banker hand
AA2244
7
Dragon 7 is paid: the Banker hand finishes ahead with three cards totalling 7.
Player hand
AA4433
8
Banker hand
8877
5
Panda 8 is paid: the Player hand finishes ahead with three cards totalling 8.

Each half of the condition does work. A 7 made of two cards, a three-card 7 that only ties, a three-card 7 in the wrong hand and an 8 made of two cards all leave the side bets lost.

Player hand
JJJ441010
4
Banker hand
66AA
7
No Dragon 7: the Banker hand finishes ahead on 7, but the 7 is made of two cards.
Player hand
5522
7
Banker hand
KKK5522
7
No Dragon 7: the Banker hand’s three-card 7 only ties the Player hand.
Player hand
QQQ3344
7
Banker hand
66KKK
6
No Dragon 7: the three-card 7 is in the Player hand.
Player hand
6622
8
Banker hand
3322
5
No Panda 8: the Player hand’s 8 is a natural, made of two cards.

Under the rules for B.C. casinos the same two bets are called Gold 7 and Jade 8, offered at Ruyi tables at the same rates.

The same two side bets under two names
RulesThe Banker hand ahead with three cards totalling 7The Player hand ahead with three cards totalling 8
Quebec’s rule bookDragon 7, paid 40 to 1Panda 8, paid 25 to 1
The rules for B.C. casinos, at a Ruyi tableGold 7, paid 40 to 1Jade 8, paid 25 to 1

Two names for each of the two hands, and one payout for each hand. At a Ruyi table the same three-card 7 also turns a Banker bet into a push; that rule belongs to the main bet, and it is lesson 6.4.

One room’s page agrees that the hand has to finish ahead; one player guide leaves that condition out, and this page goes by the rule books. One of Quebec’s casino pages prints no payout.

What a paid side bet hands back

Every payout of the three side circles is written “to 1”. A payout written “to 1” is paid in addition to the bet: Dragon 7 at 40 to 1 pays 40 times the whole bet, and the bet itself comes back beside the payout.

What a paid side bet hands back, on an example bet of $5
Side betPaid atThe payoutBack to you, the bet included
Dragon 740 to 1$200$205
Panda 825 to 1$125$130
The pair bet11 to 1$55$60

Amounts are in Canadian dollars.

Leo explaining with one open hand.

Leoformer dealer · rules and maths

If a sign ever writes a payout “for 1” instead, the bet is inside the figure, and the same number hands back one bet less. Read the small word in front of the 1.

Dragon 7 at 40 to 1$205$200 paid, and the $5 back beside the payout
The same figure read as 40 for 1$200in all, the $5 included: $195 over the bet

One figure, two readings: lesson 1.8 sets them side by side.

The pair bet: the first two cards of one hand

The pair bet is paid 11 to 1 when the first two cards of a hand make a pair. Only the first two cards count: a third card that matches one of them comes too late.

Player hand
JJJJJJ
A pair: two jacks, the same rank. Paid.
Player hand
1010QQQ
No pair: a ten and a queen both count 0, but a ten and a queen are two ranks.
Player hand
3399
No pair: one suit, two ranks.
Player hand
669966
No pair: the six that came as the third card comes too late, because only the first two cards count.

A pair means two cards of the same rank. The word rank is printed on the card for electronic baccarat (IGT) in B.C. casinos; the guides for live tables give two jacks as their example. So a ten and a queen are not a pair, even though both count 0, and suit decides nothing: two jacks of different suits are a pair.

A pair bet names one hand, the Player hand or the Banker hand, and only that hand’s first two cards count. One guide says so in as many words, the bet is on “the side you have wagered on”; two other guides say “the Player or Banker” without saying more. Read as one bet on both hands at once, 11 to 1 would pay back more than the bet takes in; read as a bet on the one hand it names, the pair bet has a price like every other side circle.

Player hand
44KKK55
9
Banker hand
QQQQQQ33
3
A pair bet on the Player hand: lost. The pair is in the Banker hand, and the bet is on the Player hand.

What the table and the rules say about side bets

Side bets are paid at rates of their own, from even money up to 40 to 1 and more. Whether a side circle is on the table at all, and what the side circle needs beside it, depends on the table and on the rules the table plays by.

  • The rules for B.C. casinosGold 7 and Jade 8 without a main betA Gold 7 or Jade 8 bet does not need a main bet beside it. Without a main bet, the side bet needs the table minimum; beside a main bet, the side bet has a minimum of its own.
  • Quebec’s rule bookDragon 7 beside a main bet, or alone where the table allows itWhere the table says so, a Dragon 7 bet goes down with one or more main bets, or on its own if the table allows that too.
  • One room’s guideMarked on the tableThe side bets a table offers are marked on the table, and the casino may ask for a standard baccarat bet as well.
  • A player guideNot at every casinoNot every casino offers side bets at all, so the house rules come first.

Under the rules for B.C. casinos, a Ruyi table carries three side bets, and what they pay out in any one round is capped, for all players together. The caps are written bet by bet: one for the Gold 7 and Jade 8 bets, and one for Ruby 9.

Side bets at a Ruyi table, under the rules for B.C. casinos
Side betPaid whenPaid atMost paid out in one round, all players together
Gold 7the Banker hand finishes ahead with three cards totalling 740 to 1$50,000, for the Gold 7 and Jade 8 bets
Jade 8the Player hand finishes ahead with three cards totalling 825 to 1
Ruby 9one hand makes 9 with three cards; or both hands do10 to 1; 75 to 1 for both$50,000, for the Ruby 9 bet

Some circles carry a name, sometimes a condition, and no payout that we could read, so they have no price here.

  • One room’s Ruyi tableGold and JadeBoth circles are named, with a note sending you to a paytable for the odds.
  • The same room’s Stadium Gaming tables, electronicKoi 7, Frog 6 and Any PairEach player sits at a station of their own and bets by pressing the field marked BET HERE.
  • Electronic baccarat (IGT) in B.C. casinosKirin, Phoenix and Lucky 6The conditions are printed; the payouts are not.

Koi 7 and Phoenix are paid on a Banker hand that finishes ahead with three cards totalling 7, and Kirin on a Player hand ahead with a three-card 8. A condition that reads like Dragon 7’s or Panda 8’s does not make the bet the same bet: the price lives in the payout, and the payout is the part that is missing.

What each side circle costs

A side circle pays many times the bet, and the hand it is paid on comes even more seldom than the payout allows for. A payout of 40 to 1 would cover the bet only if its hand came once in every 41 hands; the Dragon 7 hand comes about once in every 44.

How often each side bet is paid, and how often its payout would need it to be, on eight decks
Side betPaid atPaid about once inTo cover its payout, it would have to come once inWhat the bet costs, as a share of every bet
Dragon 740 to 144 hands41 hands7.61%
Panda 825 to 129 hands26 hands10.19%
The pair bet, on one hand11 to 113 hands12 hands10.36%

The gap between the two middle columns is the price; the last column says how much, as a share of every bet.

No Canadian document we could read prints how many hands an hour a baccarat table deals. The figure used here is the one in the Las Vegas Strip rating table: 72 hands an hour.

  1. One hand$0.38the average price of an example $5 on Dragon 7
  2. Hands in an hour72the figure in the Las Vegas Strip rating table
  3. One hour$27.40on average, on eight decks
Maya with a hand on her chest, speaking gently and seriously.

Mayaformer floor supervisor · manners, money and breaks

Decide before the shoe starts whether the side circles are part of your evening at all, and how much money they get.

If you catch yourself reaching for a side circle after a hand that would have paid it, take that as the moment for a break. The next hand does not know what the last hand did, and a payout you missed is not money you are owed.

If it stops being fun

If gambling stops being entertainment, help is available. 19+ in most of Canada; 18+ in Alberta, Manitoba and Quebec. More on responsible gaming.

1-866-531-2600Ontario · ConnexOntario · 24 hours
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1-888-795-6111British Columbia · Gambling Support BC · 24 hours
1-866-332-2322Alberta · Addiction Helpline (Recovery Alberta) · 24 hours
1-800-463-1554Manitoba · Problem Gambling Helpline · 24 hours
1-800-306-6789Saskatchewan · Problem Gambling Help Line · 24 hours
1-888-429-8167Nova Scotia · Mental Health and Addictions Crisis Line · 24 hours
1-800-461-1234New Brunswick · Gambling Information Line
1-855-255-4255Prince Edward Island · PEI Gambling Support Line · 24 hours
811Newfoundland and Labrador · Gambling Help Line · 24 hours
1-844-533-3030Yukon · Reach Out Support Line (CMHA Yukon)

If you are thinking about suicide, call or text 9-8-8

Practice: settle the side circles

Level 1 deals a hand with an example $5 in the Dragon 7 circle and an example $5 in the Panda 8 circle, and asks which side circle is paid and what comes back. Level 2 puts an example $5 on the pair bet for one hand and asks what happens to that bet on the deal. Level 3 is not scored: it reads out what an hour of the side circles costs, at 72 hands an hour.

Nothing is bet here. Each hand is a set of cards chosen to show one thing, and the answer comes from settling the bets by the rules above. Whether the Banker hand draws a third card is the chart of lesson 6.2; here the cards are already on the felt.

The practice table needs JavaScript. Here is one hand from it, with the answer.

Level 1 · Dragon 7 and Panda 8

An example $5 sits in the Dragon 7 circle and an example $5 in the Panda 8 circle. What do the two side circles get on this hand?

  • Dragon 7 is paid $200 and its $5 comes back; the $5 on Panda 8 is lost The Banker hand finishes ahead, 7 to 3, with three cards totalling 7: the Dragon 7 hand. At 40 to 1 the $5 on Dragon 7 is paid $200 and comes back beside the payout. The Player hand finishes behind, 3 to 7, and Panda 8 needs the Player hand ahead. So the $5 on Panda 8 is lost.
  • Panda 8 is paid $125 and its $5 comes back; the $5 on Dragon 7 is lost The Player hand finishes behind, 3 to 7, and Panda 8 needs the Player hand ahead. The side circle paid on this hand is Dragon 7.
  • Neither side circle is paid: both $5 bets are lost The Banker hand finishes ahead, 7 to 3, with three cards totalling 7: the Dragon 7 hand. That is exactly the hand Dragon 7 is paid on.
  • Dragon 7 hands back $200 in all, its $5 included; the $5 on Panda 8 is lost That reads 40 to 1 as 40 for 1. At 40 to 1 the dealer pays $200 and the $5 comes back beside the payout; read as 40 for 1, the same figure would be $200 in all, the $5 included, only $195 over the bet.

Dragon 7 is paid 40 to 1 when the Banker hand finishes ahead with three cards totalling 7. Panda 8 is paid 25 to 1 when the Player hand finishes ahead with three cards totalling 8. On every other hand both side bets are lost, and a side bet that is paid comes back beside its payout.

Level 2 · The pair bet

An example $5 sits on the pair bet for the Player hand. What happens to the $5 on the pair bet?

  • Paid $55, and the $5 comes back That takes two cards that count the same for a pair. The pair bet looks at the rank of the two cards, not at what the two cards count towards the hand.
  • $55 back in all, the $5 included Nothing is paid on this hand, at 11 to 1 or at any other rate: the Player hand’s first two cards are not a pair.
  • Lost: the dealer takes the $5 The Player hand’s first two cards are a ten and a king. Both count 0 towards the hand, but a pair is two cards of the same rank, and a ten and a king are two different ranks.

The pair bet is a bet on one hand. The bet is paid 11 to 1 when that hand’s first two cards are the same rank, whatever their suits and whatever the hand finishes on, and the bet is lost otherwise.

Level 3 · The hour

An example $5 on the Banker bet, and an example $5 in each of the three side circles, at every hand for an hour of 72 hands. What do the three side circles add to that hour, on average?

  • About $27.40 That is Dragon 7 alone. Panda 8 and the pair bet are two more bets on every hand, each with a price of its own.
  • About $101.38 The hours of Dragon 7, Panda 8 and the pair bet added together. The Banker bet’s own hour, about $3.81, comes in addition to that.
  • Nothing on average: now and then one of the side circles is paid The payouts are already counted inside the price. Each side circle is paid on few enough hands that the circle costs its price on average, on every hand.
  • About $3.81 That is the Banker bet’s own hour. The three side circles add three hours of their own to the Banker bet’s hour.

The price of one bet is an average over every way the cards can fall, and an hour is that price times the hands in it. The payouts are already inside the price.

Every hand in the practice run is worked out the same way: the cards on the felt are played out by the drawing rules, the side bets are settled by the rules above, and the answer comes out of that, not out of anybody’s memory.

How the practice run works

Where the hands come from. Every hand is four to six cards dealt in the order Player, Banker, Player, Banker and played out by our baccarat engine by the drawing rules, and every side bet on the felt is settled by the engine’s settling rules: the answer is worked out when the page is built, never written in by hand. The wrong answers are named mistakes: a 7 or an 8 made of two cards, a three-card total in the other hand, a hand that ties or finishes behind, a payout read “for 1” instead of “to 1”, a tie taken for a return of the side bets, two cards that count the same taken for a pair, a third card taken into the pair, and a pair in the other hand.

One strip, and no rounds. Every square on the strip is one hand of levels 1 and 2, and all of the squares are there from the start. Your first answer fills the square it belongs to; when the squares of one level are full, the next level begins by itself, with no button in between. Level 3 has no squares: it is read through once, in order. Practising a hand you got wrong turns its cross into “fixed in practice” and does not change the count, because only first answers count.

Your progress stays in this browser, and nothing is sent anywhere.

Check yourself

Maya with a finger raised and a knowing look.

Mayaformer floor supervisor · manners, money and breaks

Five quick ones. Pick an answer, then check it. No timer, no points: just whether it stuck.

1Which hand is a Dragon 7?

Show the answer

Answer: The Banker hand finishing ahead with three cards totalling 7. A three-card 7 that only ties, or that sits in the Player hand, leaves the Dragon 7 bet lost.

  • The Banker hand finishing ahead with three cards totalling 7 That is the whole condition: the Banker hand, three cards, a total of 7, and ahead of the Player hand.
  • A Player hand of three cards totalling 7 Dragon 7 is a bet on the Banker hand. The side circle for the Player hand is Panda 8, and Panda 8 needs the Player hand ahead with three cards totalling 8.
  • Any Banker hand that finishes on 7 A Banker 7 made of two cards is not a Dragon 7. The 7 has to be made of three cards, and the Banker hand has to finish ahead of the Player hand.
2The first two cards of the Player hand are a ten and a jack, and an example bet sits on the pair bet for the Player hand. Is that a pair?

Show the answer

Answer: No: a ten and a jack are two different ranks. A pair is two cards of the same rank.

  • Yes: both cards count 0 Counting 0 is about the hand’s total. The pair bet looks at the ranks of the two cards, and two cards that count the same can still be two ranks.
  • No: a ten and a jack are two different ranks Both cards count 0 towards the hand, but a pair is two cards of the same rank, and a ten and a jack are not the same rank.
  • Only if the two cards are the same suit Suit decides nothing here: a ten and a jack of one suit are still two ranks, and two jacks of different suits are still a pair.
3An example $5 goes on Dragon 7 at every hand, for an hour of 72 hands. What does that hour cost on average? new situation

Show the answer

Answer: About $27.40. The price of one hand, times the hands in an hour. It is a long-run average, not a forecast of any one hour.

  • About $27.40 What one Dragon 7 bet costs on average at the example bet, about $0.38, times 72 hands.
  • $200 That is what one paid Dragon 7 brings at 40 to 1. A payout is what the bet gets on the hand it is paid; the price is what the bet costs on average across every hand.
  • About $3.81 That is what the same example bet costs over the same hour on the Banker bet. Dragon 7 costs several times more for every bet.
4An example $5 sits on Panda 8, and Panda 8 is paid at 25 to 1. What comes back to you?

Show the answer

Answer: $130: $125 paid, and the $5 back beside the payout. “To 1” pays in addition to the bet, and the bet comes back; “for 1” counts the bet inside the payout. Lesson 1.8 sets the two side by side.

  • $130: $125 paid, and the $5 back beside the payout At 25 to 1 the payout is 25 times the whole bet, and the bet itself comes back beside the payout.
  • $125 in all, the $5 included That reads 25 to 1 as 25 for 1. A payout written “to 1” leaves the bet out of the figure, and the bet comes back in addition to the payout.
  • $25 That is the payout on a bet of $1. The bet here is $5, and the payout is 25 times the whole bet.
5An example bet sits on the pair bet for the Player hand. The Banker hand’s first two cards are two sixes; the Player hand’s are a four and a king. What happens to the bet?

Show the answer

Answer: Lost. The pair bet names one hand, and only that hand’s first two cards count.

  • Lost The Player hand’s first two cards are a four and a king, two ranks, so the bet on the Player hand’s pair is lost.
  • Paid $55 on an example $5, because a pair came out A pair came out in the Banker hand. A pair bet is a bet on one hand, and this bet sits on the Player hand.
  • It comes back, because a pair came out in the other hand A pair bet is paid when its own hand’s first two cards are a pair, and lost otherwise; the other hand’s cards play no part in the bet.

Back to the question we opened with. An example $5 in the Dragon 7 circle at every hand for an hour costs about $27.40 on average: the price of one bet times 72 hands, with every payout already counted inside that price.

Where to go next, and further reading

19+ (18+ in AB, MB, QC) · Play responsibly · the helplines are further up this page

Further reading

How it’s worked out

Rules, numbers, pace, sources and hosts

Where this happens. Every table on this page is a live baccarat table in a room you can walk into, except the tables named as electronic: one room’s Stadium Gaming tables, and electronic baccarat (IGT) in B.C. casinos.

Rules. Dragon 7 and Panda 8, their hands and their payouts, come from Quebec’s rule book. Gold 7, Jade 8, Ruby 9, the side-bet minimums and the payout caps come from the rules published for B.C. casinos: a set of rules for a province’s casinos rather than a report of what any one room does. Where the documents differ or leave something out, the difference is named. One player guide pays Dragon 7 and Panda 8 on the three-card total without saying the hand has to finish ahead; the rule books say it must, and this page goes by the rule books. One of Quebec’s casino pages gives the two hands without payouts, so the payouts come from the rule book. For the pair bet, one guide says the bet is on the side you have wagered on, and two others say the Player or Banker hand without saying which. The word rank is printed only on the card for electronic baccarat (IGT) in B.C. casinos, and the guides for live tables give two jacks as their example.

Our readings. Two readings on this page are ours. The pair bet is read as a bet on one hand: paid 11 to 1 whenever either hand made a pair, the bet would pay back more than it takes in. And two cards of different ranks are read as no pair, even when both count the same, because a pair is two cards of the same rank.

Numbers. Every price and every “once in” figure on this page is worked out by our baccarat engine over every way the cards can fall from a shoe of eight decks, and every payout comes from the sentence of the rules that prints it. The rules for B.C. casinos allow six to eight decks, and the prices here use eight. With six decks the pair bet costs 11.25% of every bet; Dragon 7 and Panda 8 barely move. Our checks recompute each figure from the engine rather than reading it back from this page. The felt plan is our own drawing, not a copy of any one table’s layout.

Pace. No Canadian document we could read prints how many hands an hour a baccarat table deals. The figure here is the one our Price of an hour tool uses and names: 72 hands an hour in the Las Vegas Strip rating table. It carries no source button on this page. Your table may be faster or slower, and an hour costs whatever the hands you actually play cost.

What is deliberately absent. Counting a hand and the Player hand’s rule are lesson 6.1, and the chart the Banker hand draws by is lesson 6.2, so whether a hand reaches a three-card 7 is taken here as dealt. What the main bets pay, the commission and the hour of a main bet are lesson 6.3; the price of each main bet, the push a Banker bet takes on a three-card 7 at a no-commission table, and the no-commission tables themselves are lesson 6.4; the squeeze is lesson 6.6; the scoreboard and its roads are lesson 6.7. Ruby 9 appears with its payouts only: this page does not work out its price. The circles without a payout we could read have no price here.

Sources. Every rule and every claim on this page carries a button with the sentence it rests on, the publisher who wrote that sentence and the date we read it.

Hosts. Maya and Leo are illustrated characters. Their backstories, a former floor supervisor and a former dealer, are written for the course: neither is a real person, and neither speaks for any casino. The rules and numbers on this page come from the sources it cites, not from their experience.

No promise. Baccarat is played against the house, and Dragon 7, Panda 8 and the pair bet each cost more for every bet than the Banker bet or the Player bet does. Knowing the hand a circle is paid on and what the circle costs lets you decide before the shoe starts; nothing on this page makes a side bet cheaper, and nothing here says how an evening at the table would end.

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