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Do I need an SSL encryption certificate?

Ideally, yes. It’s a level of security that can offer more trust and confidence to your visitors which is key for eCommerce sites in particular. Google haven’t said that this will affect your ranking or SEO, but with Google Chrome showing your site as ‘Not Secure’, it makes sense to do it. Your URL will become ‘HTTPS and you’ll have a small padlock in the address bar.