User interfaces that differentiate payment instruments having a trusted beneficiary

A non-transitory computer-readable medium embodying a program executable in at least one computing device, wherein when executed the program causes the at least one computing device to at least:

• determine that a payment transaction for a payee entity involving a particular payment instrument issued by a particular payment issuer requires an authentication challenge by the particular payment issuer;
• generate a first user interface that includes a second user interface generated by the particular payment issuer, the second user interface including the authentication challenge and a component that, when selected, causes the authentication challenge to be avoided for a future payment transaction for the payee entity by designating the payee entity as a trusted beneficiary, the first user interface including a recommendation to select the component;
• determine that the payee entity has been designated as a trusted beneficiary for the particular payment instrument;
• and
• generate a third user interface that facilitates a user selection of one of a plurality of payment instruments associated with a user account, the plurality of payment instruments including the particular payment instrument, the third user interface differentiating the particular payment instrument based at least in part the payee entity being designated as the trusted beneficiary for the particular payment instrument.