The moment you plan on running an online store is the moment you should upgrade your hosting plan. Why? Because with VPS, you have a secure and dedicated virtual server where you are more likely to pass a PCI compliance test. The Payment Card Industry Data Security Standard was established by major credit card brands to protect against cardholder data theft.
Update: I finally managed to connect to the Live Chat on day 3 but my experience was horrendous, to put it mildly. I had two simple sales questions, but the operator did not have any idea what I was talking about. She was pushing me generic links, and when I asked her to consult a technician, she came back a few minutes later…asking me what my username was.
Yes, it’s secure. VPS security comes from each instance’s isolation from the other environments on the server. Contrast that with shared hosting, where environments are sharing the same resources and can be affected by each other’s vulnerabilities. A denial of service attack on a website in a shared environment can bring down other companies’ data and websites hosted on that server, where each VPS environment is isolated and protected.
The answer to this question is a definitive “maybe.” Since you’re looking at this site, you might be a Web designer who has a few sites, an online portfolio, and a couple of long-standing clients whose sites you manage. Is a VPS for you? Well, you’ve most likely outgrown a shared platform, and as a professional, it won’t do to have your site run poorly because another site that you share a server with is using more than its fair share of resources. A dedicated server could be overkill – if you don’t need all the resources on a consistent basis, you may not be able to justify the expense.