FlashBack: I think your notion about having Track 2 + pin might make you appear as a ripper, due to previous history about its nonexistence and chats with lamer and time wasters, forgetting that a supplier is talking about 'cloning' cards for withdrawals via an atm or pos terminal, hence the ATM card pin. I don't know about your target audience but I suggest what to state clearly to reach a broad customer base and for better marketing.
N:B: I do not condone or promote the use of this detail for malicious activities, I bear no responsibility for the use of this message for illegal purposes as it is for educational purposes only. Pardon my grammatical errors (I am still doing some more studying and research).