Abstract: Systems, devices, and methods for multi-factor authentication for transaction processing are provided. A point-of-transaction device captures customer information, biometric data, and images of identification documents and transmits the information to a transaction information server which receives the transaction request, queries one or more storage records to confirm the identity of the customer to the transaction and to determine whether the customer is authorized to engage in the transaction. The point-of-transaction device communicates a transaction identifier code and at least a portion of the transaction request to a transaction authority. The transaction authority transmits a confirmation signal to the point-of-transaction device based on the transaction identifier code and the transaction request.