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Procedure of Play
In mini-baccarat, the dealer places two cards, face up, to the left (the player hand) and then two cards, face up, to the right (the bank hand) at which point the two hands are compared, and, depending on the totals, a third card may or may not be dealt to either or both hands. You can place bets on the player hand, the banker hand or a tie hand.

The Rules
The cards numbered two through nine are worth their face value, the aces are valued at 1, and the tens and face cards have a value of 0. The suit is irrelevant. The game starts when you wager on 'player', 'banker', or tie, and click “Deal.” Player and Banker are not the actual hands held by the player or the banker. They are just what the two hands are called. You may bet on Player and Tie at the same time, or Banker and Tie at the same time as well.

Once the “Deal” button has been clicked, the dealer will give two cards to the player hand and two cards to the banker hand. The hand is scored using the right digit of the total of the cards. For example if the two cards were a 5 and a 9, then the total would be 14, and the score would be 4. The scores will always be between 0 and 9 and it is impossible to break.

A third card may or may not be dealt to the player and/or the dealer depending on the following rules:

Both the dealer hand and the banker hand stand stand if either has a total of 8 or 9. This rule takes precedence over all other rules.

The player hand is dealt a third card if it's total is 5 or under. Otherwise the player hand stands, in which case the banker hand would receive another card if it has a total of 5 or under. If the player hand gets a third card, use the chart below to figure out whether or not the banker hand gets a third card too:

Player's Third Card
0 1 2 3 4 5 6 7 8 9
7 S S S S S S S S S S
6 S S S S S S H H S S
5 S S S S H H H H S S
4 S S H H H H H H S S
3 H H H H H H H H S H
2 H H H H H H H H H H
1 H H H H H H H H H H
0 H H H H H H H H H H

The hand with the highest total is the winner. There is a 5% house commission charge for winning wagers on the bank hand. Winning wagers on the player hand are paid even money, and the payout for winning wagers on a tie is 8 to 1.