Do I need an SSL certificate for my website ?
1- Online payments are often a matter of anxiety for customers. Studies show that clients abandon their shopping carts if they feel that a site is not safe, despite its actual security level. And SSL certificates are the solution.
2- As of July 2018, Google is considering if websites are powered by SSL certificate or not, hence having SSL certificate would have a direct influence on the Search Engine Optimization (SEO) and the visibility of your website in Google.
3- More secure in general: having an SSL certificate secures all the connections between your website and the viewers (including you as the admin of your website), hence if you would need to use an unsecured internet connection to login to the admin area of your website, you would not need to worry about the potential data sniffing by hackers anymore.
Now, the decision is yours !