XPG Live Baccarat: Rules, Payouts and House Edge

XPG (Xpro Gaming) live baccarat is a standard eight-deck Punto Banco game: Player pays 1:1, Banker pays 0.95:1 after a 5% commission and Tie pays 8:1, with Player Pair and Banker Pair side bets at 11:1. XPG also runs Speed and Super Six versions and a No Commission table, where a Banker win on 6 pays only half. With eight decks the Banker bet carries a 1.06% house edge and Player 1.24% (Wizard of Odds), and the game is still live in October 2026, though not at any US state-licensed casino or at the four offshore sites we review.

Below are XPG’s rules from its own manual, a payout and house-edge table, the versions it offers, a worked example and the US picture. The earlier version of this page relied on generic baccarat filler and an unverified list of casinos; it has been rebuilt from primary sources.

XPG baccarat at a glance

How XPG baccarat is dealt

The dealer deals four cards face up: one to Player, one to Banker, a second to Player and a second to Banker. Tens and picture cards count 0, Aces count 1 and other cards their face value; when a total passes 9, only the last digit counts, so 13 is 3. A two-card 8 or 9 is a “natural” and ends the hand. Otherwise third cards follow fixed rules: Player draws on 0 to 5 and stands on 6 or 7, and if Player stands, Banker draws on 0 to 5. If Player draws, Banker follows this chart:

At the start of each shoe the dealer turns one card and burns a number of cards based on its value. If the dealer makes a mistake, the manual says two cards are burned. None of this involves a decision by you; your only choice is what to bet.

XPG baccarat payouts and house edge

House-edge figures come from the Wizard of Odds for an eight-deck shoe. If Player and Banker tie, Player and Banker bets push, and side bets are settled on their own terms; the manual adds that side bets can be placed without a main bet. On the Dragon/Tiger side bet, Ace is the lowest card and King the highest, and only the first card dealt to each hand counts.

XPG baccarat versions

• Punto Banco: the classic commission game, with the payouts above.
• No Commission: Banker pays even money unless it wins with 6, which pays half. That rule raises the Banker edge from 1.06% to about 1.46%, so Player (1.24%) becomes the cheaper main bet.
• Fast/Speed Baccarat: the same rules with shorter rounds. XPG’s asset list names several lettered Speed Baccarat tables plus Turbo, VIP Speed and Super Speed versions.
• Super Six: listed by XPG among its baccarat variations; its manual’s No Commission rule (Banker 6 pays half) is the mechanic that defines Super 6 style tables. Our Super 6 guide explains the side bet some studios add.
• 7-Eleven Baccarat: a named XPG table; XPG does not publish separate rules for it, so read the in-game help.

A worked example

Say you bet $20 a hand for 100 hands, $2,000 in total. On Banker at a commission table you would expect to lose about $21 (1.06%); on Player, about $25 (1.24%). Put the same $2,000 on Tie and the expected loss jumps to about $287 (14.36%). A $5 Pair bet on each of those hands adds $500 of action and about $52 of expected cost (10.36%). The main bets are cheap; the side bets are where the money goes.

Roadmaps and the XPG interface

XPG tables show the usual baccarat scorecards: Bead Road, Big Road, Big Eye Boy, Small Road and Cockroach Road. They record past results only. Every hand is dealt from a shoe that does not remember what came before, so patterns on the roads do not change the odds of the next hand. On desktop you can switch between a table view and a virtual view; XPG baccarat also offers single mode (just your bets) and multi mode (other players’ bets shown), with multi as the default.

Playing XPG baccarat on mobile

XPG’s HTML5 client uses one login across phone, tablet and desktop. The mobile layout keeps the stream on top with tabs for limits, history, the roadmaps and your last win, and a chips panel below. XPG’s manual describes a mobile baccarat table with Dragon/Tiger as its listed side bet. If your connection drops, accepted bets are still settled and the round finishes normally.

Can US players play XPG baccarat?

Eight states have legalised online casinos; seven markets are live (NJ, PA, MI, WV, CT, DE, RI); Maine legalised a tribal-only market (LD 1164: became law without the governor’s signature in January 2026, effective 29 Jul 2026) that has not launched (Oct 2026). We found no XPG approval in those states, so its baccarat is not available at state-licensed casinos.

XPG baccarat was also absent from the live lobbies of Bovada, Ignition, MyBookie and BetOnline on 6 October 2026; their live baccarat comes mainly from VIG. Those sites are offshore and hold no US state licence, so there is no state regulator to complain to and balances are not protected. Our live baccarat guide covers US options and the XPG studio review covers the supplier.

Gambling should be entertainment. If it stops being fun, call or text the National Problem Gambling Helpline at 1-800-MY-RESET (1-800-697-3738), or visit ncpgambling.org, and see our responsible gambling page. For the basics of the game, read how to play mini baccarat.

Frequently asked questions

How many decks does XPG baccarat use?

Eight decks of 52 cards, shuffled at regular intervals, with the shuffle card placed about halfway through the shoe.

What does a Tie pay in XPG baccarat?

8:1. With eight decks that gives the Tie a 14.36% house edge, by far the most expensive main bet.

Does XPG offer No Commission baccarat?

Yes. Banker pays even money, except that a Banker win with a total of 6 pays 50%.

What do the pair side bets pay at XPG?

Player Pair and Banker Pair pay 11:1 when the first two cards of that hand are a pair, a house edge of about 10.36% with eight decks.

What is the best bet in XPG baccarat?

Banker on a commission table, at a 1.06% house edge. At a No Commission table, Player (1.24%) is cheaper than Banker (about 1.46%).

Can I play XPG baccarat in the US?

Not at state-licensed casinos as far as we can find, and it was not listed at Bovada, Ignition, MyBookie or BetOnline on 6 October 2026.