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LOANS RECEIVABLE, NET (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Summary of Current Loans Receivable, Net
December 31,
20242023
(In millions)
Loans receivable$6,346 $3,671 
Allowance for doubtful accounts(1,630)(1,042)
Current loans receivable, net$4,716 $2,629 
Summary of Non Current Loans Receivable, Net
December 31,
20242023
(In millions)
Loans receivable$227 $107 
Allowance for doubtful accounts(48)(42)
Non current loans receivable, net$179 $65 
Schedule of Loans Receivable, Net
The Company classifies loans receivable as “Merchant”, “Consumer”, “Credit cards” and “Asset-backed”. As of December 31, 2024 and 2023, Loans receivable, net were as follows:
December 31, 2024
Loans receivableAllowance for doubtful accountsLoans receivable, net
(In millions)
Merchant$1,205 $(417)$788 
Consumer2,591 (696)1,895 
Credit cards2,639 (557)2,082 
Asset-backed138 (8)130 
Total$6,573 $(1,678)$4,895 

December 31, 2023
 Loans receivable Allowance for doubtful accounts Loans receivable, net
(In millions)
Merchant$761 $(256)$505 
Consumer1,789 (591)1,198 
Credit cards1,209 (236)973 
Asset-backed19 (1)18 
Total$3,778 $(1,084)$2,694 
Schedule of Accounts Receivable, Net
December 31,
20242023
(In millions)
Accounts receivable$270 $177 
Allowance for doubtful accounts(15)(21)
Accounts receivable, net$255 $156 
The following tables summarize the allowance for doubtful accounts activity during the years ended December 31, 2024, 2023 and 2022:
December 31, 2024
Merchant
ConsumerCredit cards
Asset-backed
Total
(In millions)
Balance at beginning of year$256 $591 $236 $1 $1,084 
Net charged to Net Income452 759 595 9 1,815 
Currency translation adjustments(82)(155)(98)(1)(336)
Write-offs (209)(499)(176)(1)(885)
Balance at end of year$417 $696 $557 $8 $1,678 
December 31, 2023
Merchant
ConsumerCredit cards
Asset-backed
Total
(In millions)
Balance at beginning of year$265 $614 $225 $— $1,104 
Net charged to Net Income233 571 211 1 1,016 
Currency translation adjustments9 6 18 — 33 
Write-offs(251)(600)(218)— (1,069)
Balance at end of year$256 $591 $236 $1 $1,084 
December 31, 2022
MerchantConsumerCredit cardsTotal
(In millions)
Balance at beginning of year$155 $232 $48 $435 
Net charged to Net Income248 600 210 1,058 
Currency translation adjustments— (9)(1)(10)
Write-offs(138)(209)(32)(379)
Balance at end of year$265 $614 $225 $1,104 
Schedule of Credit Quality Analysis of Loans Receivables
The amortized cost of the loans receivable classified by the Company’s credit quality internal indicator was as follows:
December 31,
20242023
(In millions)
1-14 days past due$125 $99 
15-30 days past due146 92 
31-60 days past due175 114 
61-90 days past due167 103 
91-120 days past due178 111 
121-150 days past due155 97 
151-180 days past due138 82 
181-210 days past due129 76 
211-240 days past due118 74 
241-270 days past due121 69 
271-300 days past due109 59 
301-330 days past due112 74 
331-360 days past due90 66 
Total past due1,763 1,116 
To become due4,810 2,662 
Total$6,573 $3,778