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LOANS RECEIVABLE, NET - Summary of Loans Receivable, Net (Details) - USD ($) $ in Millions | Sep. 30, 2025 | Dec. 31, 2024 | Sep. 30, 2024 | Dec. 31, 2023
--- | --- | --- | --- | ---
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |
Loans receivable | $ 11,022 | $ 6,573 |  |
Allowance for doubtful accounts | (2,830) | (1,678) | $ (1,612) | $ (1,084)
Loans receivable, net | 8,192 | 4,895 |  |
Merchant |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |
Loans receivable | 1,877 | 1,205 |  |
Allowance for doubtful accounts | (668) | (417) | (393) | (256)
Loans receivable, net | 1,209 | 788 |  |
Consumer |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |
Loans receivable | 4,088 | 2,591 |  |
Allowance for doubtful accounts | (1,114) | (696) | (725) | (591)
Loans receivable, net | 2,974 | 1,895 |  |
Credit cards |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |
Loans receivable | 4,803 | 2,639 |  |
Allowance for doubtful accounts | (1,032) | (557) | (487) | (236)
Loans receivable, net | 3,771 | 2,082 |  |
Asset-backed |  |  |  |
Loans and Leases Receivable Disclosure [Line Items] |  |  |  |
Loans receivable | 254 | 138 |  |
Allowance for doubtful accounts | (16) | (8) | $ (7) | $ (1)
Loans receivable, net | $ 238 | $ 130 |  |

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