How to Deal Mini-Baccarat
Part 2: A free Vegas-Aces guide.
Table of Contents
The Tie is a 3rd bet that only wins if both the Player and the Banker’s final total are the same. If Player and Banker aren’t the same then the tie bet loses. The player can bet on the tie either as a lone bet or in conjunction with a Player/Banker bet. If the hand is a tie, the Banker and Player bets do not lose. These bets push.
If the tie wins it usually pays either “8 to 1” or “9 for 1”. Which is exactly the same thing. If a bet pays you 8 to 1 then that means you receive 8 times your original bet. If the bet pays 9 for 1 then that means the casino will give you 9 units in exchange for your one unit.
So what do you do with a winning tie bet?
You pay the tie (Bet x 8) and all of the other bets push.
The Take and Pay Procedure
After the winning hand has been determined, take all of the losing bets starting from your right hand side and going left. Place these bets in a specific area until the entire hand is complete and you can re-organize your rack. Some casinos will want you to place these losing bets on the table until the entire hand is complete. Other casinos will want you to place these chips in the rack but in a specific spot. And a small amount of casinos don’t care what you do with it.
After taking the losing bets, start at the right hand side and pay the winning bets, starting from the bet closest to the player. When the Player wins the bet gets paid 1:1. When the Banker wins the bet gets paid 1:1 minus a 5% commission. As soon as you’re done paying the Banker bet, mark the commission. Do not proceed to the next spot until the commission has been marked or paid.
Why does the casino charge a 5% commission? Both the Player and the Banker get paid 1:1 but it has been established that over an 8 deck period, the Banker will win 3 to 4 hands more than the Player. To correct this, the casinos have decided to charge a 5% commission on Banker.
Now it’s time to explain how to figure out a 5% commission. Don’t worry it’s easier than it looks.
There are two methods you can use; the first method is a simple calculation you can do in your head. Take 10% of the bet and divide it by 2.
Or you could memorize the basic chart and add the commissions as you go.
If you remember that every $5 bet owes a $0.25 commission, every $25 bet owes a $1.25 commission and every $100 bet owes a $5 commission then you’ll be set to deal the most basic of baccarat games.
$1 - $5 Bet = $0.25 Commission
$6 - $10 Bet = $0.50 Commission
$11 - $15 Bet = $0.75 Commission
$16 - $20 Bet = $1 Commission
$21 - $25 Bet = $1.25 Commission
$50 Bet = $2.50 Commission
$100 Bet = $5 Commission
$500 Bet = $25 commission
$1,000 pays = $50 commission
Did you notice that both $1 and $5 bet is charged the same commission of $0.25? The reason why is because commissions are paid to the nearest quarter. Another word for this is “Breakage” which means when the amount is either rounded up or down in the casino’s favor.
If the player bets $12, you can’t really ask them for a $0.10 commission on the extra $2; this is when breakage applies. If the player bets between $1-$4, then as a dealer, round up to the nearest $5 and charge them a $0.25 commission.
You pay the winning bet “color-for-color” even though the players must pay a commission on it. That is why most casinos have a long rectangle with many boxes with numbers in them in front of the dealer’s seat. After you pay a winning Banker bet, add up the amount of the commission that the player owes and place the correct lamer in the correct seat. Each box represents a player and each number represents a specific seat. Whenever that player wins a banker bet you will add those lammers to the correct box.
Instead of having to pay the commission every hand, the casino lets the commission accrue and then you can pay the commission at a later point.
What lammers do you use when marking a players commission? You will use a normal 25 cent piece and 50 cent piece at the table. Now what lammers the casino uses depending on each casino. If a player wins a $20 Banker bet then you will place either a $1 chip or a $1 lammer in the correct box.
When converting lammers to a higher denomination, lay both lammers out for the camera to see, exchange them and then place the smaller denomination lammer back in the box.
So when does the player pay his commission?
The player will pay his commission at the end of each shoe, when the floorman requests it, when the player pays the commission by himself, or before he leaves the table. If a player leaves the table while refusing to pay his commission, then notify the floor immediately. The floor will then call security.
When the player pays off their commission, bring the commission out of the designated box and on to the middle of the table. Take the player’s payment and place is next to the commission, proving to the cameras that they are the same. If you need to give the player change do so now, proving to the cameras that you are giving the correct change before handing it to the player. Then place both the commission and the payment into the bank.
If you need to take the commission out of the winning bet then it is time to do some math. Not really, I’m kidding. I was horrible at subtracting so this is what I would do.
I would 1st figure out the commission. Imagine that the player has a $325 bet on banker and the commission is $16.25. Then, once I figured out the commission, I would take out the winnings and lay it in front of me in the center of the table so the cameras could see. So I would put 75 cents out on the table. In my mind I would think “ok, now I’m at $17”. Then I would put $3 out on the table next to the 75 cents. In my mind I would think “ok, now I’m at $20”. Then I would lay out 1 red $5 chip. In my mind I would think “ok, now I’m at $25”. Then I would lay out 3 black chips (or $300) which would bring me to the total of $325. And I would stack that amount up properly and place it next to the banker’s bet.