Baccarat's Playing Settlements

A rule in playing Baccarat, that is common to all versions of the game is when the Player's hand wins, all the players who wager on this hand win even money.

The players who wagered on the Banker's hand lose, and their bets are collected by the House.

When the Banker's hand wins all the players who wagered on this hand win an amount equal to their bets minus a five percent commission.

For instance, if the Banker's hand has the highest value and George wagered $100 on this hand, he will win $95 (observe that five percent of $100 is five dollars).

When the Banker's hand wins, all the players who placed bets on the Player's hand lose their money. Generally, the five percent commission is not paid directly each time a player wins a bet on the banker's hand.

The adopted procedure is as follows: for example, if Steve wagered $ 100 dollars on the Banker's hand and won, he will be paid even money (that is $100) and a marker indicating that Steve owed the Casino five dollars will be placed in the Commission box.

The players are requested to pay the (total) commission either before the next shuffle of the cards of when they leave the table.

No commission is removed from a win corresponding to a bet on the Player's hand or in case of a tie.

Once the settlement is made, the cards which were used are discarded in a box in the center of the table. If enough cards are left in the shoe, new hands are dealt. If not, the cards are shuffled and the game starts again.

The Banker (the player who deals) keeps the shoe as long as the Banker's hand does not lose. Once it loses, the shoe moves to the player on the right.

Players do not have to accept the shoe and deal. When they do accept it, they may pass the shoe to their right any time a hand has been completed.

The fact that no commission is removed from the wins corresponding to bets on the Player's hand might appear to indicate that it is advantageous for the player to bet on this hand.

However, this is not so, since the Banker's hand wins more often. In fact, the player who places bets on the Banker's hand is somewhat better off than the player who places bets on the Player's hand, but the difference is very small.

The House edge, as far as the Player's hand is concerned, is somewhat more than one and two percent. The edge as far as the Banker is concerned, is about one and one percent.

If at least one of the initial (two-card) hands has a value of eight or nine, then no further cards are dealt. The settlement is made immediately on the basis of the values of the hands.

However, if none of the initial hands has the value of eight or nine, a third card may have to be dealt to one or both hands.

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