Systems and methods are provided for use in facilitating transactions associated with a payment account. One exemplary method includes receiving an authentication request message for a transaction to a payment account associated with a consumer, where the payment account is associated with at least one authentication procedure requiring input from the consumer to authenticate the consumer in connection with the transaction and where the authentication request message includes at least one detail related to the transaction. The method also includes accessing, by a computing device, a profile associated with the consumer and based at least in part on a prior transaction history of the payment account, and opting, by the computing device, the transaction out of the at least one authentication procedure when the at least one detail related to the transaction is consistent with the profile.