PayTrac DECLINED Offline processing does not contain cryptogram
Problem
Patron is attempting to use their PIN Debit card with PayTrac but receiving error.
Solution
That message usually indicates that the patrons card issuing bank is not part of the NYCE Network for debit cards so it has to be processed as a credit card.
Most debit cards will show the networks that are valid on the card and if the NYCE is not listed then you will get a decline in PayTrac. The card can be used as a credit card on the VISA or MasterCard networks.