Secure Sockets Layer (SSL) is a standard security technology for transferring encrypted data between a server and a browser.
SSL allows sensitive information such as credit card numbers and login credentials to be transmitted securely over the internet.
SSL validates if the browser is communicating with the right server and it makes sure that no one is intercepting the transferred data. secured-pay is using SSL so that all confidential credit information is transferred securely.
If a website collects credit card information you are required by the Payment Card Industry (PCI) to have a SSL Certificate issued by a certification authority. If a site has a login section or sends/receives other private information such as home address, telephone number, etc., a SSL Certificate should be used to protect that data.
If a merchant selling services/products online and does not wish to have a SSL certificate it is advisable that the website is then hosted on a web hosting service that can provide a secure subdomain.
A lock icon, a green address bar and a https (Hypertext Transfer Protocol Secure) website will show if a website is SSL secured or not.