If the participant goes bust, they have already misplaced their wager, even if the vendor goes bust as nicely. If the dealer goes over 21, the supplier pays every participant who has stood the quantity of that participant's wager. If the vendor stands at 21 or much less, the supplier pays the guess of any player having a higher complete (not exceeding 21) and collects the bet of any player having a lower total. If there's a stand-off (a player having the same whole as the dealer), no chips are paid out or collected. Your hand can lose in opposition to the supplier's hand, but you then may cover your lost wager with a win on an insurance coverage wager. Blackjack pays three to 2, or in some online casinos, Blackjack pays 6 to five, which refers to payoffs and odds.