The cashier pays the winnings from a money-box beside him, after deducting a percentage which alone constitutes the company's profit, as no matter in which way a player lays his money, the chances are precisely equal between him and the company. No charge is usually made on winnings of small amount.

A player may put his money directly on the table, or he may use counters or chips instead, a supply of which, of different denominations, is usually heaped within the square. These counters consist of ts'нn tsz', or Chinese "cash," which represent ten cents; hak chu, "white pearls," representing $1; hak chu, "black pearls," $5; chessmen, $10, and dominoes5, $50. Other values are sometimes assigned to them. When counters are used, two red cards instead of one are placed beneath them, in the case of the first wager, mai fan, and one red card in the second, mai ching t'au, and the third, mai kok.

When counters are used, the player frequently deposits a bank note or his purse with the cashier, who places a Chinese playing card of the kind called ts’eung kwan p'ai beside it, to identify it, and hands a corresponding card to the player. This card the player sometimes puts upon the table with the counters representing his stakes, where it takes the place of one of the red cards. Then when a player loses and continues playing, the cashier places the counters he has lost on the ts’eung kwan p'ai that indicates his money; but if the winning are in a player's favor, he puts one of the red cards under the player's marker, and deposits on it the counters that represent his winning, after deducting the company's commission. The latter is usually about seven per cent. A player is not ordinarily permitted to stake a counter representing a sum larger than that he has deposited with the cashier, although the games are sometimes conducted on credit and settlements made the next day. The companies reserve the right to decline any wager and close the game at any time. The games are opened at 3 o'clock in the afternoon and at 8 in the evening, and often at 11 in the morning on Sundays and holidays. The company always opens the game, one of its members acting as the t’an kun.

The partners sometimes take turns in keeping game, and receive twenty-five or fifty cents from the common fund each time, or one of them may be appointed to act as keeper, and then receives a salary of about twenty-five dollars per month. Each member of a company who keeps game has a book in which he records the profits and losses while he is acting as keeper. After the game has continued for about half an hour, or sooner, if the company has lost money, a settlement is made with the players, and any of them are permitted to take the table and run it for their own profit, upon paying a small rental to the company and a fee to the cashier for his services.

The ho kun, or cashier, receives a salary of about twenty-five dollars a month, and usually has a small interest in the company.

Very little capital is required by the fan tan companies. The members usually contribute from fifty to two hundred dollars together, and this is sufficient unless the losses are large. The gambling cellars are usually owned by people interested in the stores, by whom they are rented to the companies at from ten dollars and upwards per month, but sometimes in consideration of a share of the profits of the tables. There are eight companies in Philadelphia and between thirty and forty in New York, several companies often using the same table alternately. The profits of the smaller companies in Philadelphia are said to average about five dollars per day, but this amount is often much exceeded.

The coins used in playing fan tan are those of the present dynasty, such as are now current in China, and are imported expressly for gambling purposes in large quantities. Only perfect pieces, and preferably those of the same mintage, are selected, and these are cleaned with vinegar and afterward polished by being shaken with damp sawdust in a cotton bag. Those of the Kanghн period (AD 1661 to 1722), and of the Kienlung period (AD 1735 to 1796), which constitute a large part of the present circulation in China, are generally used, but pieces representing all the emperors of the Manchu dynasty, except the present ruler, may be found upon these strings of cash, and a collection embracing the issues of many of the provincial mints can be formed from them without much difficulty. Some of the strings of "cash" of the periods already referred to, appear to be quite uncirculated, and are probably reproductions made expressly for gambling purposes. The brass cash are not used as counters upon the board, leaden pieces from Annam, called nai ts’in, "dirt cash," being substituted to prevent confusion.

A word might be said concerning the playing cards used as markers. Their name, ts’eung kwan p'ai, signifies "Commander in Chief Cards," and their history and symbolism furnish a curious and romantic chapter in the social and political life of the Chinese people. Those used in fan tan differ from the cards used among the Chinese here in card games in being wider and in often having white instead of black or red backs. The kau li are narrow cards, with both faces of bright vermilion, like the backs of some of the ordinary playing cards.

Many variations from the method of playing fan tan as above described, occur among the Chinese in America; white buttons are frequently substituted for coins, and a curved piece of bamboo for the tapering rod; while a square drawn with ink upon the mat takes the place of the numbered metal plate. Such changes are made either for the purpose of turning a run of bad luck, or to give the game a more innocent appearance and render the conviction of its proprietors more difficult, under the law against keeping gambling houses.

Quarrels are of frequent occurrence in the gambling cellars, and this game constitutes one of the principal causes of disputes in the Chinese colonies.