Yes, you do. Payment can work without an SSL certificate, however it’s extremely dangerous and most payment transacting companies or banks will not even allow you to do it without an SSL certificate.

This is because without an SSL certificate, your client’s and customer’s credit card details are left out in the open when making a payment transaction – making it very easy for hackers to intercept and steal their credit card details.

If you’re planning to take payments through your website, first thing’s first – head over and purchase an SSL certificate pack.