For businesses and shops
Best SSL certificate for e-commerce
The best SSL certificate for most online shops is a DV certificate on every hostname, renewed automatically, free from an ACME CA or your platform. Buy OV only if a B2B customer or marketplace wants your company name in the certificate, and EV only if a payment provider or contract requires it. Shoppers see the same padlock either way.
What PCI DSS and browsers require
PCI DSS requires strong cryptography to protect cardholder data in transit over public networks, which a correctly configured DV certificate provides. It does not specify a validation level. Browsers show the same indicator for DV, OV and EV, and since 2019 Chrome and Firefox no longer display the EV company name in the address bar.
Recommended setups
A free or $11.00 DV certificate covers a single-domain shop; wildcard, multi-domain, OV and EV certificates fit specific setups.
| Shop setup | Certificate | Cheapest verified option |
|---|---|---|
| Hosted platform (Shopify and similar) | Provided by the platform | Included |
| Own server, one domain | Free ACME DV, or paid DV | Namecheap Standard SSL $11.00 |
| Many subdomains (shop., api., cdn.) | Wildcard | EssentialSSL Wildcard $84.00 |
| Several domains or country sites | Multi-domain | Namecheap SAN Certificate $35.99 (3 domains) |
| B2B buyers check the company name | OV | Sectigo InstantSSL $32.80 |
| Payment partner requires EV | EV | Namecheap EV SSL $76.99 |
First-year prices checked on sellers' sites on 10 November 2026; Namecheap prices rise on renewal.
What matters more than the certificate type
Renewal, coverage of every hostname and clean HTTPS pages matter more than the validation level:
- Renewal. Since 15 March 2026 certificates last at most 200 days, falling to 100 days in 2027. An expired certificate stops checkout instantly; automate renewal and monitor expiry.
- Every hostname. Payment redirects, API subdomains and CDN hostnames all need valid certificates. Check them with the SSL checker.
- No mixed content. One image or script over HTTP can break the padlock on a checkout page; scan with the mixed content scanner.
- HSTS. Once HTTPS works everywhere, enable HSTS so browsers never fall back to HTTP.
When paying for OV makes sense
OV makes sense when your buyers are businesses whose procurement teams check certificates, or when a marketplace, bank or insurer asks for it. It costs little if you shop around, but it requires validation paperwork every time the organization check expires, so keep your company records consistent across registries.
FAQ
Does an online store need an EV certificate?
No, unless a payment provider or contract requires it. Browsers show the same padlock for DV, OV and EV, and PCI DSS does not require EV.
Is a free Let's Encrypt certificate OK for taking payments?
Yes. The certificate's price does not affect encryption. What matters is a valid certificate on every hostname, modern TLS settings and automatic renewal.
Do I need a certificate if my payments are handled by Stripe or PayPal?
Yes. Your own pages, login forms and cart still need HTTPS, and browsers mark plain HTTP pages with forms as not secure.
Sources
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