Baccarat is played with eight 52-card decks and the user can bet on the Player, Dealer, or a tie. The highest score that can be achieved in baccarat is 9. Cards in baccarat have the following values:
|2 - 9||Face Value|
|10, J, Q, K||0|
The Player is dealt two cards. The value of the two cards are added.
If the value is 10 or more, 10 is subtracted from the score. For example, an A & 9 would have a value of 0: 1 (A) + 9 (9) = 10. Because 10 or more require that 10 be subtracted, the value is now zero: 10 – 10 = 0.
If the Player or Dealer gets a combined score of 8 or 9 on their first two cards the hand is finished, and all wins are calculated. If neither the Player nor Dealer have an 8 or 9 with their first two cards, the following rules apply:
Player Rules: If the Player has 0 – 5, a third card is dealt. If the Player has a 6 or 7, the hand STANDS.
Banker Rules: If the Player stands, the Banker draws a third card if their hand is valued at 0-5. If the player draws a third card, the value of the card drawn by the Player and the value of the Banker’s hand determine whether or not the Banker gets a third card.
The maximum number of cards either the Player or Dealer can receive in baccarat is 3. If both the Player and Dealer are required to draw a third card, the cards will then be added up and the player closest to 9 is the winner.
Winning bets on the Player or Dealer pay at 2:1.
Ties are possible in baccarat. If the user is betting on the Player or Dealer and a tie occurs, the hand is considered a push and no money is gained or loss. However, the user can bet that the Player and Dealer will tie. A winning Tie bet pays 9:1.