Mini Baccarat

Objective

The object of baccarat is to predict whether the banker's hand or the player's hand will get a point value closest to 9, keeping in mind that all ten-value cards count as zero and aces count as one. The hand with the highest point value wins.

How to play

The player and the banker are each dealt a two-card hand. Then following standard baccarat rules, a third card is dealt to the player and/or the banker.

To participate in the game, you place a wager (right click on chips and place bet) on the player's hand, on the banker's hand, or on a tie. A tie results when both hands have equal point values. If the game does result in a tie, wagers on the banker and the player are returned.

Payout

All winning wagers for the banker and the player pay even money. However, if you win by betting on the banker, the bank receives 5% commission. If you correctly wager that the two hands will tie, your payoff is 8 to 1.

Card Values

Ace = one point

Face cards and tens = zero

All other cards carry the point value stated on the card. If the cards in a hand total more than ten points, simply subtract ten; the remainder is the baccarat point value of the hand. For example: 8+8=16, which counts as a 6 in baccarat; and 8+9=17, which counts as 7.

  Third Card Rules

The following baccarat rule chart governs when the player and/or the banker will automatically be dealt (i.e. "draws") a third card in the Baccarat game:

If either the player or the banker has a total of an 8 or a 9 they both stand.This rule overrides all other rules.

If the player's total is 5 or less then the player hits, otherwise the player stands.

If the player did not draw a card (i.e. had a 6 or higher), then the banker draws a card only if its first 2 cards total less than 5. Otherwise, the banker stands.
If the player did draw a third card, then the banker plays as follows:
Banker's first 2 cards equal: Banker draws if player's third card is:
0,1,2  :     always draws
3        :     0,1,2 3,4,5,6,7,9.
4        :     2,3,4,5,6,7
5        :     4,5,6,7
6        :     6,7
7        :     always stands

Betting Limits

Minimum bet $1.
Maximum bet $100 (on banker and player) and Maximum tie bet $15.

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