I Fe In commission-free baccarat bets, the main factor that affects the game is the commission rate that is charged by the casino. In traditional baccarat games, a commission is typically charged on the banker bet, which reduces the payout for winning bets on the bank, in commission-free baccarat, the casino offers the player a slightly different payout on the banker bet, usually 1:1 instead of the traditional 0.95:1 payout, but the payout on the player bet remains the same as in traditional baccarat.