Roulette has been a staple of American casinos from the neon-lit streets of Las Vegas to the boardwalks of Atlantic City. Now that online play is legal in states like New Jersey, Pennsylvania, and Michigan, understanding how payouts work is essential for anyone spinning the digital wheel. The payouts you receive depend on the type of bet, the version of roulette you choose, and the house edge embedded in the game.

For United States players, the shift from brick-and-mortar tables to online platforms brings both convenience and complexity. While the classic 35-to-1 payout for a straight-up number remains the same, the odds shift depending on whether you play American roulette with its double zero or the European version with a single zero. Knowing these differences helps you make smarter bets and keep more of your bankroll.

The Mechanics Behind Roulette Payouts

Every roulette payout is based on the probability of the ball landing on a specific number or group of numbers. A straight-up bet on a single number pays 35 to 1 because the true odds are 37 to 1 in European roulette and 38 to 1 in American roulette. The casino keeps the difference as its built-in advantage. Bets like splits (two numbers) pay 17 to 1, while street bets (three numbers) pay 11 to 1. The formula is consistent: the fewer numbers covered, the higher the payout.

Outside bets offer lower payouts but higher chances of winning. For example, red/black or odd/even pays 1 to 1, covering nearly half the wheel. Column bets and dozen bets pay 2 to 1. These bets are popular among US players who prefer a more conservative approach, especially when playing in regulated online casinos where the pace is faster than a land-based table.

American vs European Roulette – What US Players Need to Know

The most critical factor affecting your payout is the version of the game. American roulette features 38 pockets (numbers 1-36, plus 0 and 00), giving the casino a house edge of 5.26%. European roulette has 37 pockets (single zero only), with a house edge of 2.70%. That difference may seem small, but over time it significantly impacts your expected returns.

Many online casinos catering to US players offer both versions. The European wheel is often the better choice for maximizing payouts because the lower house edge means you lose less money on every spin. Some states, like New Jersey, have seen a surge in European roulette tables online as players become more educated about the math behind the game.

Bet Type	Payout	American Roulette (38 pockets)	European Roulette (37 pockets)
Straight-up	35:1	2.63% probability	2.70% probability
Split	17:1	5.26%	5.41%
Street	11:1	7.89%	8.11%
Column/Dozen	2:1	31.58%	32.43%
Red/Black, Odd/Even, High/Low	1:1	47.37%	48.65%

The table above shows how the same bet yields a higher probability of winning on the European wheel. US players accustomed to the double-zero wheel in Atlantic City casinos may not realize that switching to European roulette online can improve their long-term payout potential.

Inside Bets vs Outside Bets – Payouts and Risk

Inside bets cover specific numbers or small groups and offer the highest payouts. A straight-up bet at 35 to 1 can turn a small wager into a significant win, but the odds are against you. Other inside bets include the five-number bet (0, 00, 1, 2, 3) unique to American roulette, which pays 6 to 1 but carries a house edge of 7.89% – the worst on the table. Many experienced players avoid this bet entirely.

Outside bets cover larger sections of the wheel and pay less, but they win more often. For example, a bet on red wins almost half the time. The trade-off between payout size and frequency is a personal choice. US players who enjoy the thrill of a big win may lean toward inside bets, while those focused on bankroll management often stick to outside bets. Online platforms allow you to switch between both styles instantly.

Other outside bets, such as black or odd/even, offer similar odds and can keep the game engaging for longer sessions. If you’re curious about a unique take on this classic wager, check out the red door roulette experience for a fresh perspective. These strategies won’t guarantee a win, but they help stretch your bankroll while you enjoy the spin.

How the House Edge Affects Your Payouts

The house edge is not a fee you pay directly; it is baked into the difference between the true odds and the payout odds. In American roulette, the true odds of hitting a single number are 37 to 1, but you are paid only 35 to 1. That 2-unit difference is the casino’s edge. Over thousands of spins, the casino will keep about 5.26% of all money wagered on American roulette.

For European roulette, the edge is lower because the wheel has one fewer pocket. Some online casinos also offer the “en prison” or “la partage” rule on even-money bets, which reduces the house edge to 1.35% on those bets. This rule is more common in European and French roulette but is available at select US-friendly online casinos. Understanding these nuances gives you a clearer picture of your actual payout expectations.

This effectively halves the house edge on even-money bets, making European roulette far more favorable than its American counterpart. Players seeking the best odds should look for tables offering these rules, as they significantly improve long-term expected value. For a deeper look, Fortune’s analysis breaks down the math behind these rules.

Special Bets and Unique Payouts in Online Roulette

Online roulette often includes special bets not found on physical tables in the US. For example, “neighbor bets” cover a number and its two adjacent numbers on the wheel, paying according to the combination of straight-up and split bets. “Voisins du Zero” covers the 17 numbers around the zero, common in European roulette. These bets are popular among international players and are slowly gaining traction in the US online market.

Additionally, some online variants offer “racetrack” betting layouts that allow you to place multiple bets with a single click. While the payouts are the same as standard bets, the convenience can speed up play. US players should always check the payout table before placing special bets, as the advertised odds are the same as manual combinations but may be easier to visualize.

Choosing the Right Online Casino for Fair Payouts

Not all online casinos are created equal. Licensed operators in states like New Jersey, Pennsylvania, and Michigan are required to use certified random number generators (RNGs) that ensure fair outcomes. These RNGs are tested by independent agencies to confirm that the payout percentages match the theoretical odds. You can typically find the casino’s return-to-player (RTP) percentage listed in the game rules.

For roulette, the RTP is simply 100% minus the house edge. American roulette offers an RTP of about 94.74%, while European roulette offers 97.30%. When you play at a regulated US online casino, you can trust that these numbers are accurate. Always verify that the casino holds a valid license from your state’s gaming authority before depositing.

Recommendations for Maximizing Your Roulette Payouts

• Choose European roulette over American roulette whenever possible to benefit from the lower house edge.
• Avoid the five-number bet on American roulette tables, as it carries the highest house edge at 7.89%.
• Stick to outside bets like red/black or odd/even if you want more frequent wins and slower bankroll depletion.
• Look for online casinos that offer the “en prison” or “la partage” rule on even-money bets for an even lower house edge.
• Use a betting strategy that limits your losses, such as setting a stop-loss limit before you start spinning.
• Always check the game’s payout table and RTP percentage before playing, as some variants may have slight differences.
• Take advantage of free play or demo modes to practice without risking real money, especially when learning new bet types.

No matter your preferred style, the key is to understand the odds behind every bet. The thrill of roulette comes from the spin, but the smartest players know exactly what they are getting paid for each wager.

Understanding the payouts is just as crucial as knowing the probabilities. For a deeper dive into these essential calculations, check out our guide on understanding roulette odds. This knowledge will help you make more informed decisions at the table.

Now that you have a clearer picture of how online roulette payouts work, it is time to put that knowledge to use. Sign up at a trusted US-licensed online casino, choose a European roulette table, and place your first bet with confidence. The wheel is waiting – spin it wisely.