A method for enhanced validation of cryptograms for varying account number lengths, comprising: storing, in a memory of a computing device, one or more primary account numbers and a plurality of formatting templates, wherein each template is associated with at least an account number length; receiving, by an input device of the computing device, a selection indicating a specific primary account number of the one or more primary account numbers; executing, by a querying module of the computing device, a query on the memory to identify a specific formatting template of the plurality of formatting templates where the associated account number length corresponds to a length of the specific primary account number, and wherein the formatting templates include information specifying the length and location of information to be included in a data string; receiving, by a receiving device of the computing device, at least an unpredictable number from a point of sale device; generating, by a generation module of the computing device, a cryptogram based on at least the unpredictable number and one or more algorithms; generating, by the generation module of the computing device, a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting, by a transmitting device of the computing device, the generated data string to the point of sale device; and wherein the generated data string is electronically transmitted in a data message that further includes a bitmap indicative of formatting of the generated data message. storing, in a memory of a computing device, one or more primary account numbers and a plurality of formatting templates, wherein each template is associated with at least an account number length; receiving, by an input device of the computing device, a selection indicating a specific primary account number of the one or more primary account numbers; executing, by a querying module of the computing device, a query on the memory to identify a specific formatting template of the plurality of formatting templates where the associated account number length corresponds to a length of the specific primary account number, and wherein the formatting templates include information specifying the length and location of information to be included in a data string; receiving, by a receiving device of the computing device, at least an unpredictable number from a point of sale device; generating, by a generation module of the computing device, a cryptogram based on at least the unpredictable number and one or more algorithms; generating, by the generation module of the computing device, a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting, by a transmitting device of the computing device, the generated data string to the point of sale device; and wherein the generated data string is electronically transmitted in a data message that further includes a bitmap indicative of formatting of the generated data message.