EZ bacarrat math

In EZ baccarat, aka commission free, if the banker wins the hand with a 3 card total of 7, the banker hand is a push and the player hand loses. For those who wager on the Fortune 7 side bet, they are paid 40 to 1. This rule change compensates for not charging commission.

QUESTION: Dealers sometimes forget this rule change and pay the banker 3 card 7 hand, as they would in regular baccarat. How does doing this mispay on, say, 25% of occurrences, affect the house edge? I say 25% as this occurs about one quarter of the time where i play.

Thank you!

Quote: Baccaratboy

In EZ baccarat, aka commission free, if the banker wins the hand with a 3 card total of 7, the banker hand is a push and the player hand loses. For those who wager on the Fortune 7 side bet, they are paid 40 to 1. This rule change compensates for not charging commission.

QUESTION: Dealers sometimes forget this rule change and pay the banker 3 card 7 hand, as they would in regular baccarat. How does doing this mispay on, say, 25% of occurrences, affect the house edge? I say 25% as this occurs about one quarter of the time where i play.

Thank you!

It almost removes the edge but not quite. Modifying the table from https://wizardofodds.com/games/baccarat/appendix/6/#toc-EZBaccarat gives:

Event	Combinations	Probability	Pays	Return
Banker win	383290367308416	0.436118	1	0.436118
Normal tie	83552962932288	0.095069	0	0
Banker 3-card 7 win - push	19805383926144 * .75 = 14,854,037,944,608	0.022535 * .75 = 0.01690125	0	0
Banker 3-card 7 win - pays	19805383926144 * .25 = 4,951,345,981,536	0.022535 * .25 = 0.00563375	1	0.00563375
Player win	392220492728832	0.446279	-1	-0.446279
Total	878869206895680	1		-0.00452725