String cardNumber = msrInfoArr[0];
String expDate = msrInfoArr[1];
String pmId = trans.makeCreditCardVo(cardNumber, expDate, firstName, lastName);
if (pmId != null) {
trans.addPayment(pmId, amount);
}
if (track2Info != null && UtilValidate.isNotEmpty(track2Info[1])) {
// if swiped
trans.setPaymentTrack2(pmId, null, track2Info[1]);
} else { //keyed