In one aspect, a computerized system for authentication of an electronic payment on a computing device, the system includes a computer memory in the computing device a payment page. The payment page includes at least one element, from the financial institution in response to the initiation. Each of the at least one element corresponds to a mode of authentication of an electronic payment. The payment page is received by the computing device from a remote server. A computer processor in the computing device, which computer processor is coupled to the computer store and programmed to detect an initiation of the electronic payment on the computing device, the electronic payment comprising payment from an account at a financial institution. The computer processor is programmed to obtain the payment page from the computer memory. The computer processor is programmed to identify a presence of a first element corresponding to a first mode of authentication on the payment page, wherein the first mode of authentication comprises receiving a first credential in the computing device after the initiation. The computer processor is programmed to receive a selection of the first mode of authentication. The computer processor is programmed to scan a set of incoming messages in the computing device for the first credential. The computer processor is programmed to extract the first credential from a message comprising the first credential. The computer processor is programmed to enter the first credential into a second interface optimized for a display of the computing device that is displayed in response to the selection of the first item. The computer processor is programmed to communicate the first credential to the payment page, for authentication of the electronic payment.