Systems and methods for authentication and authorization using physical computing cards include receiving from the physical computing card an authorization request, where the request includes a card identifier and an entity location. Authorized users associated with the card identifier are determined. Identifications of users with pending transactions at the entity location are obtained. Verification is performed by determining that there is a match between an identification of a user to an identification of one of the authorized users. The user is then authorized to access resources associated with the physical computing card.