When you learn how to play Baccarat online, the dealer deals the cards face up, two for the player and two for the Banker, and the hand with the nearest number to nine wins. If you bet on the player's hand and it has the nearest number to nine, your winnings will be doubled. If you bet on the banker's hand and it wins, you will earn 95% of your stake back. When the number of cards dealt exceeds nine, you must add the two together and subtract one (or two) to determine the worth.