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Each company has their own policies. While you we do not endorse any other companies policies it is up to you as to whether you deal with them. If you do not read their terms and conditions then you should not enter in to the agreement with them. If they deem you a risk they deem you a risk it...

You should contact your hosting provider for support.

either way an ssl certificate has to be purchased whether it be by yourself or by the hosting provider in order for the https to be made available. sure you can have a self issued one used but they are not reliable or acceptable in the eyes of payment and merchant gateway providers.