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Secure Sockets Layer (SSL) is a cryptographic protocol designed to provide communications security over a computer network. Using SSL gives you many benefits.
With SSL certificate your website will be protectd against hacking attacks. All information transferred over an SSL certificate is encrypted and hackers will be not able to read it.
SSL certiface is now a must when it comes to payments. No one will find your website trustworthy if you don't use SSL certificate.
Having SSL certificate means that your website will have a higher ranking in search engines. Google also flags those websites still using http protocol.