If you want to take sensitive details on your site, then you will need an SSL cert. You can get hosting using shared SSL certs for about £50/yr. Without investing in secure hosting, the only other thing that can be done is to compromise on the look and feel of the payment page and send your customers offsite for that part of the transaction.

BTW Can you please limit each message to a single post, I've deleted this same message from two separate posts in the Zen Cart section. Thanks.

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Lawrence