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LOANS RECEIVABLE, NET (Tables) | 6 Months Ended
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Jun. 30, 2025
Receivables [Abstract] |
Schedule Of Loans Receivable, Net | The Company classifies loans receivable as “Merchant,” “Consumer,” “Credit cards” and “Asset-backed.” As of June 30, 2025 and December 31, 2024, the components of current and non-current Loans receivable, net were as follows:
| June 30, 2025
| Loans receivable |  | Allowance for doubtful accounts |  | Loans receivable, net
| (In millions)
Merchant | $ | 1,595 |  |  | $ | (598) |  |  | $ | 997 |
Consumer | 3,525 |  |  | (948) |  |  | 2,577 |
Credit cards | 4,013 |  |  | (903) |  |  | 3,110 |
Asset-backed | 214 |  |  | (14) |  |  | 200 |
Total | $ | 9,347 |  |  | $ | (2,463) |  |  | $ | 6,884 |
| 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 six-month periods ended June 30, 2025 and 2024:
| June 30, 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 | 318 |  |  | 491 |  |  | 471 |  |  | 7 |  |  | 1,287 |
Currency translation adjustments | 53 |  |  | 75 |  |  | 85 |  |  | 1 |  |  | 214 |
Write-offs (1) | (190) |  |  | (314) |  |  | (210) |  |  | (2) |  |  | (716) |
Balance at end of period | $ | 598 |  |  | $ | 948 |  |  | $ | 903 |  |  | $ | 14 |  |  | $ | 2,463 |
| June 30, 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 | 198 |  |  | 370 |  |  | 238 |  |  | 3 |  |  | 809 |
Currency translation adjustments | (19) |  |  | (33) |  |  | (40) |  |  | — |  |  | (92) |
Write-offs (1) | (123) |  |  | (250) |  |  | (75) |  |  | — |  |  | (448) |
Balance at end of period | $ | 312 |  |  | $ | 678 |  |  | $ | 359 |  |  | $ | 4 |  |  | $ | 1,353 |
(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:
| June 30, 2025 |  | December 31, 2024
| (In millions)
1-14 days past due | $ | 229 |  |  | $ | 125 |
15-30 days past due | 155 |  |  | 146 |
31-60 days past due | 226 |  |  | 175 |
61-90 days past due | 241 |  |  | 167 |
91-120 days past due | 225 |  |  | 178 |
121-150 days past due | 254 |  |  | 155 |
151-180 days past due | 225 |  |  | 138 |
181-210 days past due | 180 |  |  | 129 |
211-240 days past due | 191 |  |  | 118 |
241-270 days past due | 177 |  |  | 121 |
271-300 days past due | 173 |  |  | 109 |
301-330 days past due | 163 |  |  | 112 |
331-360 days past due | 137 |  |  | 90 |
Total past due | 2,576 |  |  | 1,763 |
To become due | 6,771 |  |  | 4,810 |
Total | $ | 9,347 |  |  | $ | 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://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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