In live baccarat, if the sum of two cards dealt equals less than 5, then the player or dealer will be dealt another card. This third card will not be dealt if the two cards total is 6 or 7. If the player or dealer’s hand totals 8 or 9, then no third card is dealt and the hand is deemed a win - or a tie if the dealer also has 8 or 9 points.
The online baccarat live dealer plays to the same rules as the player, so if the player opts to take a third card, the dealer can decide whether to take a third card too.