Opencart looks good i like the bestsellers section that you can have on checkout. If you want a secure payment system you can always use companies that do it for you.
If you have your own SSL are you looking to host the transaction yourself or is it just for consumer confidence? You'll have to be PCI compliant if you want to do that.. much easier to let a 3rd party handle it such as SagePay or PayPal.
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