BagelFlip Baccarat

Two hands are dealt, Player and Banker, two cards each. Cards count A = 1, 2–9 at face value and 10, J, Q, K = 0; only the last digit of the sum counts, so 7 + 8 = 5. The hand closest to 9 wins.

Pick one side per round: Player pays 1 to 1, Banker pays 0.95 to 1 (a 5% commission on wins), Tie pays 8 to 1. You can also add Player Pair and Banker Pair side bets, which pay 11 to 1 when that hand's first two cards are the same rank.

Tie bets win 8 to 1, and Player and Banker bets push: your stake comes back.

A natural 8 or 9 on either hand ends the round. Otherwise the Player draws on 0–5 and stands on 6–7. The Banker then draws by the classic tableau: on 0–2 always, on 3 unless the Player's third card is an 8, on 4 against 2–7, on 5 against 4–7, on 6 against 6–7, and stands on 7. If the Player stood, the Banker draws on 0–5.

Banker has the lowest house edge (1.06%), then Player (1.24%). Tie (14.36%) and the pairs (10.36%) pay more but cost more over time.

The most a single round can return, including your stakes, across your main bet and side bets.

Yes. Each round draws six cards from a freshly shuffled 8-deck shoe using your seed pair and nonce. Verify any round in the fairness dialog.