Trying to understand SSL and Dedicated IP

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I am trying to understand when a website would benefit from using these two features. I must assume that it would be if the site wanted to have credit card usage as part of there e-commerce site.

I have run across SSL certificates be offered that are not the same and are used differently. One being a shared SSL certificate the other a normal SSL certificate based on a sites use?

Do I have this correct? Can someone please site an example of when and how each are used.

Thank you in advance.

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