In "baccarat payout rules", the key is the order in which cards come out. 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 final count.
When the player stands, the banker follows the same rule as the player: draw on five or less, stand on six or seven. When the player has drawn, the banker's decision depends on its own total and on the value of the player's third card. A banker total of two or less always draws, seven always stands, and totals from three to six draw only against certain third cards. A printed table sets out each case.
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 table.
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.
If the player stood, banker draws on five or less; otherwise banker always draws on two or less, stands on seven, and between three and six follows a printed table.
The player hand draws on any total from zero to five and stands on six or seven, a rule that stays the same at every table.
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.
No: the roads only record past rounds in coloured marks, and since the shoe has no memory of earlier hands they forecast nothing.