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LOANS RECEIVABLE, NET (Tables) | 3 Months Ended
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Mar. 31, 2025
Receivables [Abstract] |
Schedule Of Loans Receivable, Net | The Company classifies loans receivable as “Merchant,” “Consumer,” “Credit cards” and “Asset-backed.” As of March 31, 2025 and December 31, 2024, the components of current and non-current Loans receivable, net were as follows:
| March 31, 2025
| Loans receivable |  | Allowance for doubtful accounts |  | Loans receivable, net
| (In millions)
Merchant | $ | 1,393 |  |  | $ | (509) |  |  | $ | 884 |
Consumer | 2,967 |  |  | (802) |  |  | 2,165 |
Credit cards | 3,242 |  |  | (732) |  |  | 2,510 |
Asset-backed | 178 |  |  | (11) |  |  | 167 |
Total | $ | 7,780 |  |  | $ | (2,054) |  |  | $ | 5,726 |
| December 31, 2024
| Loans receivable |  | Allowance for doubtful accounts |  | Loans receivable, net
| (In millions)
Merchant | $ | 1,205 |  |  | $ | (417) |  |  | $ | 788 |
Consumer | 2,591 |  |  | (696) |  |  | 1,895 |
Credit cards | 2,639 |  |  | (557) |  |  | 2,082 |
Asset-backed | 138 |  |  | (8) |  |  | 130 |
Total | $ | 6,573 |  |  | $ | (1,678) |  |  | $ | 4,895 |
Schedule of Accounts Receivable, Net | The following tables summarize the allowance for doubtful accounts activity during the three-month periods ended March 31, 2025 and 2024:
| March 31, 2025
| Merchant |  | Consumer |  | Credit cards |  | Asset-backed |  | Total
| (In millions)
Balance at beginning of year | $ | 417 |  |  | $ | 696 |  |  | $ | 557 |  |  | $ | 8 |  |  | $ | 1,678 |
Net charged to Net Income | 151 |  |  | 223 |  |  | 234 |  |  | 3 |  |  | 611 |
Currency translation adjustments | 28 |  |  | 31 |  |  | 35 |  |  | 1 |  |  | 95 |
Write-offs (1) | (87) |  |  | (148) |  |  | (94) |  |  | (1) |  |  | (330) |
Balance at end of period | $ | 509 |  |  | $ | 802 |  |  | $ | 732 |  |  | $ | 11 |  |  | $ | 2,054 |
| March 31, 2024
| Merchant |  | Consumer |  | Credit cards |  | Asset-backed |  | Total
| (In millions)
Balance at beginning of year | $ | 256 |  |  | $ | 591 |  |  | $ | 236 |  |  | $ | 1 |  |  | $ | 1,084 |
Net charged to Net Income | 91 |  |  | 177 |  |  | 102 |  |  | 1 |  |  | 371 |
Currency translation adjustments | (6) |  |  | (2) |  |  | (6) |  |  | — |  |  | (14) |
Write-offs (1) | (52) |  |  | (108) |  |  | (38) |  |  | — |  |  | (198) |
Balance at end of period | $ | 289 |  |  | $ | 658 |  |  | $ | 294 |  |  | $ | 2 |  |  | $ | 1,243 |
(1) The Company writes off loans when customer balance becomes 360 days past due.
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:
| March 31, 2025 |  | December 31, 2024
| (In millions)
1-14 days past due | $ | 154 |  |  | $ | 125 |
15-30 days past due | 193 |  |  | 146 |
31-60 days past due | 227 |  |  | 175 |
61-90 days past due | 216 |  |  | 167 |
91-120 days past due | 195 |  |  | 178 |
121-150 days past due | 200 |  |  | 155 |
151-180 days past due | 170 |  |  | 138 |
181-210 days past due | 176 |  |  | 129 |
211-240 days past due | 155 |  |  | 118 |
241-270 days past due | 137 |  |  | 121 |
271-300 days past due | 128 |  |  | 109 |
301-330 days past due | 117 |  |  | 112 |
331-360 days past due | 122 |  |  | 90 |
Total past due | 2,190 |  |  | 1,763 |
To become due | 5,590 |  |  | 4,810 |
Total | $ | 7,780 |  |  | $ | 6,573 |

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- Definition Tabular disclosure of allowance for credit loss on accounts receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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