Systems, methods and apparatuses for authenticating a user and/or authorizing use of a reusable payment device associated with the user. In some examples, user identifying information, such as a checking account number, driver's license number, username, or the like, may be received. Based on this received information, a reusable payment device number associated with a reusable payment device of the user may be determined. This information may then be encrypted. Further, additional authenticating information may be received. For instance, a user personal identification number (PIN) may be received. The PIN may also be encrypted. The encrypted PIN and encrypted reusable payment device number may be analyzed to determine whether they are associated with the same reusable payment device. If so, a user may be authenticated.