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BACCARAT AND
MULTI-USER
BACCARAT RULES

While baccarat might seem intimidating to those unfamiliar with the rules, it’s actually one of the easiest casino games to play. There is one, and only one decision you have to make for each hand. The dealer handles the rest, playing out the hands according to strict, predetermined rules.

Two hands are dealt - The Banker’s hand and the Player’s hand. Prior to each deal, the player wagers on whether the Player’s hand or the Banker’s hand is closest to a total of 9. If the first two cards total 9, the hand is called a natural and automatically wins. If the first two cards total 8, it’s also called a natural and it wins automatically as well, unless the opposing hand has a natural too. When both hands have a natural, the higher hand wins (9 beating 8).

The player also has the option to wager on a tie. If you make this bet and the two hands tie, you win an 8:1 payoff. Ties, however, occur less than one out of every ten hands. The program determines outcomes and whether extra cards will be dealt.

How to play
A player can bet on three hands - the Player’s hand, the Banker’s hand, or a Tie bet. A combination of these bets can also be made. Place your wagered amount by clicking with the left mouse button or drag/dropping a coin into the area you want: the Player’s field, the Banker’s field, the Tie field, or any combination of these within the betting limits. Coin amounts are: $1, $5, $25, and $100. Some tables have a minimum bet of $5. You start the hand by pressing the Deal button.

After the Deal button is pressed, the Player and Banker are dealt two cards. All tens and picture cards are worth zero, aces are worth 1, and all other cards are worth their face value. If the value of cards exceeds 9, then the value is adjusted by subtracting 10 from the total… in other words, dropping the zero.

Example:
Cards: Hand Total:
9 + 7 = 16 6
5 + 5 + 5 = 15 5
10 + 9 = 19 Natural 9

After the first two cards are dealt to both the Player and Dealer, a third additional card may be dealt automatically, if required. No hand receives more than three cards.

Third Card Rules:
The system generates a third card if the Player’s two cards total five or less. Player’s hand stands at totals of 6, 7, 8 or 9.

The banker hand is a bit more complicated. How the banker hand gets played is usually determined by what the player hand's third card is. If the player did not draw a third card (i.e. had a 6 or higher), then the banker draws a card only if its first two cards total less than 5. Otherwise, the banker stands.

If the player did draw a third card, then the banker plays as follows:

When the banker’s first two cards equal… …the banker draws only if the player’s third card is:
3 1,2,3,4,5,6,7,9,10
4 2,3,4,5,6,7
5 4,5,6,7
6 6,7
When the banker’s first two cards equal… …the banker will:
2 or less Always draw
7,8, or 9 Always stand

If the Player’s hand stands on two cards, then a two-card Banker hand that totals 3,4,5 must draw and a Banker hand that totals 6 must stand.

Payoffs
A winning Player hand wager is paid at 1 to 1. A winning Banker hand wager is also paid at 1 to 1 but the player must pay a 5% commission to the bank. Winning tie wagers are paid at 8:1.

MULTI-USER BACCARAT
The multi-user baccarat table seats up to five players, the dealer and multiple observers. The rules of play are the same as for regular baccarat, above. Bets are $5, $25 and $100. When you have chosen your seat, your name and balance will appear at that seat. You are now ready to place your bet. Drag and drop the appropriate coin to the player (you), the banker (the dealer), or a tie. When ready, press the deal button. The game does all the rest for you, based upon the rules above. If you wish to take a break, click on “stand up” and you will be moved to observer status.

If your game has a chat function, you may talk to other players during the game, whether you’re playing or just observing. Just click on your name and then type your message in the chat box. Press send.

THE RULES
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