The three-way match result market in football: 1 is the home win, X is the draw, and 2 is the away win.
You back one of three outcomes, and a draw is a separate losing result for a 1 or 2 bet, not a refund. It settles on the full-time result of normal time, so extra time and penalties in a knockout do not count. See our 1X2 betting guide.