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The croupier instructs the 'banker' when to deal third cards, and then announces the winning hand. Six or eight decks of cards are ordinarily used, shuffled only by the croupier and dealers. Like 'Chemin de Fer', the shoe is passed around from player to player, who acts as the dealer of the cards and as 'banker,' but he or she does not basically bank the game. The 'banker' may bet on the player hand if he or she wishes, or may pass the shoe along to yet another player - the role of the 'banker' is merely ceremonial. Punto Banco Baccarat delivers potentially higher payouts, as the property edge tends to be smaller sized than in many other table games. Residence edges variety from 1.36% for Punto wins to 14.4% for Tie wins. The residence requires a 5% commission from the banco bet just before paying winners in every single round. In case of a tie, only players who placed the egalite bet get paid.

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