Baccarat is a card game between two hands,the player and the banker. there are only two hands, the banker and the player. participants may bet on player,banker,tie or any pair. number card counts its number points. K,Q,J,Tens and combinations of ten are zero. if the total is a two-digit number, only the last digit counts. The highest point is nine. if both counts are the same, it is a draw. When banker wins, the casino takes a 5% commission. ’Draw’ winnings pay 8 to 1 banker pair or player pair winnings pay 11 to 1 player win 1 to 1