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Any business that accepts personal information on their website needs SSL. It makes sure sensitive details like your customer's debit card details cannot be stolen when it is being sent back and forth between the server and your customer by encrypting it. With this, your customer's information will be secure and therefore useless to anyone that tries to steal it during transmission.
However, secure connections to a website are not very secure if the authenticity cannot be verified. This is where an SSL certificate comes in. Without them, a browser can be given keys for encrypting and decrypting data which an attacker has provided.
Web browsers rely on SSL certificates to determine whether a secure connection is authentic or not. If you are serious about doing business online, you'll need an SSL certificate for your website.