In "baccarat payout rules", the key is the order in which cards are drawn. Baccarat looks formal and plays simply: two hands, called player and banker, are dealt, and the bettor backs one of them or a tie. Nobody at the table makes a decision about drawing, because a fixed rule decides whether each hand takes a third card. Knowing the point values and that rule makes every round easy to follow, from the first card to the result.
The player hand acts first. With a total from zero to five it draws a third card, and with six or seven it stands. That part of the rule is simple and never varies between tables. The player's third card, if one is drawn, then becomes the key to what the banker hand does next, which is why the banker's rule looks more complicated than it really is. The dealer applies both parts automatically.
Baccarat tables display scoreboards, often called roads, that record the result of every recent round in grids of coloured marks. Many players read patterns into them and bet on streaks continuing or breaking. Each round is dealt from a shoe that does not remember the last one, so the boards describe the past and predict nothing. They are useful for following a table, and harmless as long as no betting plan rests on them.
The main bets are player, banker and tie. A winning player bet pays even money, a winning banker bet pays even money less a fee taken because the banker hand wins slightly more often, and a tie usually pays eight to one. When the round ends in a tie, player and banker bets are returned at most tables. Pair bets and other extras sit beside the main boxes, each with its own payout printed on the layout.
Pair bets and other extras sit beside the main boxes, each paying at the rate printed on the layout for that particular wager.
The banker hand wins slightly more often than the player hand, so a winning banker bet pays even money minus a small commission.
A two card total of eight or nine on either side is a natural, and it ends the round immediately with no more cards drawn.
Twos through nines keep their face value, aces are worth one, and tens along with picture cards score nothing, so a seven and an eight make five.