Systems, methods, apparatuses, and computer-readable media for provisioning transaction cards to multiple merchants from a single access point are described. For example, a method may include receiving a payment card number request, sending a contactless payment card step-up authentication request to the user device, receiving, from the user device, encrypted authentication information obtained from the contactless payment card in response to the contactless payment card step-up request, authenticating the encrypted authentication information received from the user device, granting a token to identify a communication session established with the merchant, which may enable a continued exchange of data with the merchant, and using the token to identify the respective communication session established with the merchant, providing account information to the merchant to associate a respective merchant account with a user of the contactless payment card.