Systems, computer program products, and methods are described herein for authentication decision engine for real-time resource transfer. The present invention is configured to electronically receive, from a computing device associated with a user, a resource distribution request at a first time; generate a notification on a computing device associated with a resource distribution source; dynamically generate a first resource authentication code based on at least the resource distribution request; transmit control signals configured to cause the computing device associated with the user to display the first resource authentication code to the user; dynamically generate a second resource authentication code based on at least the resource distribution request; transmit control signals configured to cause the computing device associated with the resource distribution source to display the second resource authentication code to the resource distribution source; initiate an execution of the resource distribution request at a second time