It is the second of these that we will consider here. It is well known that if you wish to take payments online, you need to make sure the site uses the secure "https" protocol and has an "SSL certificate". This ensures that information exchanged between the server and the visitors browser are encrypted as it traverses the internet. This should ensure that if someone intercepts, or "listens in" to the exchange they are unable to see credit card details in clear text. However, using encryption more widely on your website can bring other benefits too.