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The winning hand is the one with a value closest to nine. The value of a hand is calculated by adding up the total of the cards. The card values are: Tens, cards totaling ten, or picture cards count as nothing or 0. All other cards count as their face value. If the cards total a two-digit number, the last digit counts as the value of the hand. For example, 7+8=15, counts as 5 in Baccarat. Examples (about one of the tipical online software): A hand consists of an Eight of Clubs and a Seven of Diamonds. The point values are 8 and 7, so the total of the hand is 8 + 7 = 15. As the "tens" portion of the total is ignored, the value of the hand is five. A hand consists of a Nine of Spades, a Two of Hearts and a Nine of Diamonds. The point values are 9, 2 and 9, so the total of the hand is 9 + 2 + 9 = 20. As the "tens" portion of the total is ignored, the value of the hand is zero. To play a game of Baccarat, do the following: Click the Up or Down Arrow buttons to select the amount you want to bet Select the hand you want to bet on. Click the Banker button to bet on the Banker’s hand. Click the Player button to bet on the Player’s hand. Click the Tie button to bet on the possibility of the Banker and the Player’s hands being a tie. Your bet is placed on the table and each hand is dealt either two or three cards. Any winnings are paid according to the Payout Schedule. Baccarat History Originating in Europe, Baccarat is also considered one of the most popular European casino games. The name, Baccarat originates from the Italian word for zero – Baccara. The connection with its name and the game is that all face cards, as well as the ten, have a value of zero. In the Middle Ages, when Baccarat first developed, it was generally played with a deck of tarot cards. Even in these early stages, Baccarat was considered a favorite amongst card players. The earliest known dates of players participating in Baccarat is around 1490. Nonetheless, it did not take long since then for the game to gain much momentum and popularity. Indeed, by the 1500s the French nobility were known to choose this game over many others. As time and the game progressed, two versions of Baccarat evolved. The first being the French version, Chemin de Fer, and the second, the European Baccarat. Modern American Baccarat in turn originated and developed in England before traveling with the colonists to North and South America. Today, the most common version played was a variety of the game that developed in the Capri Casino in Havana, Cuba. Around the 1950s, Baccarat was introduced to the Gambling capital of America – Nevada. Already enjoying a glamorous reputation in European casinos, the American casinos attempted to maintain its popularity and image. Obviously successful in this regard, today, in most casinos where Baccarat is played in the US, the area is generally roped-off area with video monitoring and surveillance as well as armed guards. This is due the exorbitant prices that are often waged by players. Even though Baccarat attracts much hoopla and attention from players and onlookers, as well as some of gambling's highest rollers, nonetheless it demands little skill and is really a game of chance. A Baccarat table has fourteen spots numbered from one to fifteen, excluding thirteen to avoid problems with superstition. Three dealers are placed at each individual table. The Croupier or Caller is the label given to the dealer located in the middle. His/ her role is to make the calls as each hand is dealt. Additionally, the Croupier also is responsible for directing the game and all the procedures that it involves. The other two dealers, on the other hand, while they are not responsible for the running of the game, their position is to ensure all the payoffs are carried out, and that this is done correctly. BACCARAT VARIATIONS American Baccarat - In this game, it doesn’t matter how many players are at the table because only two hands are dealt – There is a “banker” hand and a “player” hand. Like any other Baccarat game, the goal is to receive a score closest to 9 but not over. Players can bet on one of the two hands or a tie before any hands are dealt. Six or eight decks of cards are shuffled by the dealer and placed in the “shoe” box. The shoe is passed around the table, alternating between Player and Banker. The house dealer deals four cards face-down, two to each type of hand, and whoever bet the most money on the Player hand gets to look at this hand first. The person holding the shoe is temporarily considered the Banker hand (this doesn’t mean he must bet on the Banker hand). However, it is not mandatory that everyone takes a turn at dealing – Anyone who is uncomfortable with this position may pass the shoe on to the next person. In the end, everyone at the table has 2-3 cards. The dealer oversees the hand totals and declares the winning hand. The winning hand is considered the cards with the closest total to or directly on 9. In the case of a tie, any bets made on Banker or Player must be given in. European Baccarat - The European version is actually very similar to the American version, except in two respects: The banker, who is under the supervision of the dealer, has the option of drawing a 3rd card and the players have the opportunity to either stand or draw on 5. The banker hand is backed up by the casino. This means that there is a set price that the players can bet up to; if the first two players bet up to this amount, for example, then the players after them are not allowed to bet any more money. There is a special term used in European Baccarat, called “Banco.” When a player calls out this word it means that he wants to cover the entire bet. If this happens, no one else is allowed to bet on this specific round. Chemin De Fer - While very popular in France, Chemin de fer is a little hard to find in other European casinos. The basic rules of the game are similar to the American version, but there are some differences: First of all, the casino does not play the role of banker. Furthermore, a player can not just bet on Player or Banker (referred to as “Punto” or “Banco” in Europe) because he must actually be one or the other. The players are able to bet amongst themselves before and then the bank swivels from player to player. Like the American game, the position of Banker can be refused and the Shoe will be moved to the next player accordingly. While in American Baccarat the player bets against the House and the casino supplies the money, in Chemin de fer the casino is not directly concerned with wagers. At the same time, there is still a dealer, or “Croupier,” who looks after the game, making sure the rules are followed appropriately. The casino also takes a rake on all winning hands, usually nothing more than a 5% commission. Baccarat en Banque - This variation is not especially popular but it can still be found in some European casinos today. In most Baccarat versions, the player who wagered the most money becomes the banker; or the role of banker goes from player to player in a counterclockwise circle. In Baccarat en Banque, the house takes on the responsibility of banker, who is usually one of the casino workers. Because of this, it is possible for the players to make larger bets. <br> </font> </div>