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 result.
Baccarat tables display scoreboards, often called roads, that record the result of every recent round in grids of coloured marks. Many players read patterns into them and bet on streaks continuing or breaking. Each round is dealt from a shoe that does not remember the last one, so the boards describe the past and predict nothing. They are useful for following a table, and harmless as long as no betting plan rests on them.
Cards from two to nine count at face value, aces count one, and tens and picture cards count nothing. A hand's total is the last digit of the sum, so a seven and an eight make five. The highest possible total is nine. Two cards totalling eight or nine are a natural, and a natural on either side ends the round at once with no further cards drawn. The hand closer to nine wins the round.
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 layout.
Each box on the layout carries its own minimum, and the table limits show the smallest accepted stake for player, banker, tie and pair bets.
No: the roads only record past rounds in coloured marks, and since the shoe has no memory of earlier hands they forecast nothing.
A tie usually pays eight to one on the tie box, and at most tables bets on player or banker are handed back rather than lost.
Pair bets and other extras sit beside the main boxes, each paying at the rate printed on the layout for that particular wager.
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.