In Vegas you can keep it but most jurisdictions you are stealing if you refuse to comply. Vegas requires the payoff stand. They will ask for it back but can't force it. Of course you may not be welcomed back if you refuse to pay it.
It is usually a phone call to the Floor who in turn asks for the money.
Pointing out the mistake can get the dealer in trouble as well. The house knows most people won't do that so making the mistake is the issue not whether someone caught it. If you don't point it out and nobody catches it the dealer is just fine.
That's best for everyone except the casino.
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