Embodiments of systems and methods are provided for an authentication device that enables transactions with a payment instrument at different limitations, restrictions and/or use conditions. In an embodiment, a system comprises a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization. The system also comprises a payment instrument authorization module implemented by at least one hardware processor operatively connected to the receiver, the hardware processor(s) configured to: determine validity of the received authentication information; authorize a second limitation for the payment instrument based on the validity of the received authentication information; and communicate, to the authentication device or to a an entity device, authorization information for the payment instrument at the second limitation.