The overwhelming majority of casino baccarat games in the United States, United Kingdom, Canada, Australia, Sweden, Finland, and Macau are "punto banco" baccarat and they may be seen labelled simply as "Baccarat".
Usually, 1-to-1 even money will be paid on player bets and 19-to-20 on banker bets (even money with "5% commission to the house on the win").
