The technology essential for secure online transactions includes encryption, secure payment gateways, and SSL certificates. Encryption protects sensitive data, such as credit card information, by converting it into unreadable formats during transmission. Payment gateways facilitate secure transaction processing by acting as intermediaries between customers and merchants, ensuring information is transmitted securely. SSL certificates establish secure connections between web browsers and servers, affirming the authenticity of a website and protecting user data from cyber threats. Together, these technologies provide a safe and trustworthy environment for online financial activities, fostering consumer confidence.