When paying with cloned cards, with 101 or 201 dumps recorded on them, the submins in stores do not ask for ZIP.
If the purchase is for a large amount, then you need to enter the correct pin code.
If you only have a track 2 without a PIN code, then first you should generate track 1 from the track 2 and after writing data on an empty card to make a purchase for a small amount so that the PIN code would not be entered.