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Consolidated Statements of Cash Flows - USD ($)
$ in Millions
 9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Operating Activities    
Net income $ 10,908 $ 9,532
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization of customer incentives 1,526 1,328
Depreciation and amortization 846 666
(Gains) losses on equity investments, net (16) 69
Share-based compensation 485 418
Deferred income taxes 77 (261)
Other 99 117
Changes in operating assets and liabilities:    
Accounts receivable (264) 99
Settlement assets (14) (743)
Prepaid expenses (2,939) (2,776)
Accrued litigation and legal settlements (4) (59)
Restricted security deposits held for customers 180 23
Accounts payable (28) 59
Settlement obligations 102 731
Accrued expenses 658 671
Net change in other assets and liabilities 1,030 72
Net cash provided by operating activities 12,646 9,946
Investing Activities    
Purchases of investment securities available-for-sale (385) (414)
Purchases of investments held-to-maturity (28) (98)
Proceeds from sales of investment securities available-for-sale 192 171
Proceeds from maturities of investment securities available-for-sale 183 204
Proceeds from maturities of investments held-to-maturity 46 363
Purchases of property and equipment (377) (379)
Capitalized software (548) (565)
Other investing activities (24) (6)
Net cash used in investing activities (941) (724)
Financing Activities    
Purchases of treasury stock (8,169) (7,565)
Dividends paid (2,072) (1,842)
Proceeds from debt, net 1,242 3,960
Payment of debt (750) (1,336)
Tax withholdings related to share-based payments (283) (175)
Cash proceeds from employee stock plans 139 163
Other financing activities (100) 0
Net cash used in financing activities (9,993) (6,795)
Effect of exchange rate changes on cash, cash equivalents, restricted cash and restricted cash equivalents 325 75
Net increase in cash, cash equivalents, restricted cash and restricted cash equivalents 2,037 2,502
Cash, cash equivalents, restricted cash and restricted cash equivalents - beginning of period 10,808 10,465
Cash, cash equivalents, restricted cash and restricted cash equivalents - end of period $ 12,845 $ 12,967