A wildcard certificate covers a domain and all of its subdomains at one level (*.example.com); a multi-domain (SAN) certificate covers several different domains in one certificate.
A wildcard is convenient when you have many subdomains, such as shop., account. and api. It does not cover second-level subdomains like a.b.example.com.
A multi-domain certificate saves time when a company runs several websites on different domains.
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