Do I have to have an SSL Certificate?
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If you plan to accept credit cards for transactions on your Quick Shopping Cart site, either through a payment gateway or using a Point Of Sale (POS) credit card machine, then you must have an SSL Certificate for your site. This is to ensure the security of your site when handling your customers' personal and credit card information.
If you do not plan to accept credit cards through a payment gateway or using a POS, you do not have to have an SSL Certificate.