After you place your bet, the Player and the Banker each receive two cards. The Player might then draw a third card. Unlike a blackjack player, the baccarat Player has no free will in this matter. The decision is made strictly in accordance with a baccarat rule specifying that if the Player's two-card total is 5 or less, the Player must hit; over 5, the Player stands. You do not need to memorize the rule; if you are playing baccarat online, the computer will automatically deal a third card if the baccarat rules calls for it.
Another difference from blackjack is that the Player may hit only once, so the maximum number of cards in a baccarat hand is three.
After the Player's hand is complete, the Banker either stands or hits. The rule governing the Banker's hand is a little more complicated, but the main idea is the same: the stand-or-hit decision is made according to the baccarat rules and not by anyone's free will. If you play baccarat in an online casino, the baccarat software will automatically deal a third card to the Banker when it is appropriate to do so.
After both hands are completed, the hands are compared and the higher hand wins the online baccarat game.