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I take it this is what you meant when you questions SSL?
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No... SSL is Certificate verifying your website and domain are
genuine i.e.
http://www.completessl.com/complete_ssl.php
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am currently using only Paypal for payments as I found World Pay far too expensive and I believe Lycos eshops only have these 2 options.
Do you know whether I can use any payment processing company with Lycos?
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You are referring to merchant credit card processing account here.
Don't use Lycos; sorry, no idea what sort of payment mods they support.