Panda and Dragon are side bets in a baccarat variant known as EZ. The rules of EZ baccarat are the same as the standard variant, except you don’t pay a 5% commission on Banker Bets (there are charges for certain winning). Panda side bets pay 25:1 for a three-card Player total of 8. Dragon side bets pay 40:1 for a three-card Banker total of 7.