The role of the bank can be played differently and this the main difference between different Baccarat variations. In the version of the game known as Chemin de Fer, the position of the banker passes clockwise from player to player each time the banker loses rather than being fixed by the individual casino. The house, however, provides the banker with funds throughout the game. The role of the banker can be passed to the next player. The objective of each version of the game is the same: to reach 9. The game starts by the banker dealing four cards to each player and to himself, then each player turns his cards over and sum the value of all cards. A player having a total lower than five will usually draw another card, while a player with a hand greater than 5 will usually stand. The total of the hands is then compared and the player with the best hand (closest to 9) wins.

Before the game starts all active players have to make bets. Chips are used for making bets. The chips are stacked by denomination (, , , 0, 0) at the bottom of the game window. Clicking left mouse button on a chip will choose this chip for the bet. To place the chip on the Baccarat table you have to click on a bet field. To increase your wager place one chip on the table and then one more. You can place as many chips as you have available without exceeding the maximum limit. Your wager amount is made of all chips placed on the bet field. ‘Bet’ section displays you bet amount. There is a table minimum, which determines your bet amount. If your bet is under the minimum bet amount it will be automatically increased to the minimum limit. After placing a bet click on the ‘Deal’ or ‘Pass’ button to start. Both the banker and the player will be dealt two cards each. Cards have different value. Face cards and tens are valued as 0. Aces are valued at 1. Numbered cards except tens are worth their face value. The total of the hand is the sum of the value of all cards in the hand. The hand total can’t exceed 9, otherwise 10 has to be subtracted from this total. If you have 8 and 7 (8+7=15 -10=5) the total of your hand is 5. When the first cards are dealt to the player and to the banker they can draw one more card. The player doesn’t ask for a third card. All additional cards are subject to a "Third Card Rule". Neither the banker nor the player can be dealt more than three cards. When two or three cards are dealt the banker’s and the dealer’s total are compared. If the banker’s and the player’s total are equal the hand is called a tie. If a tie happens you receive your wager back. The total 8 or 9 is called “natural 9”. In the case of a “natural” hand after receiving first two cards no more cards shall be dealt either to the banker or tot the player. If the value of the cards in the Banker's hand on the first two cards is 0 to 7 inclusive, the Player's hand shall draw in accordance with the "Third Card Rules".