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LOANS RECEIVABLE, NET - Schedule of Allowance for Doubtful Accounts (Details) - USD ($) $ in Millions | 9 Months Ended
--- | ---
Sep. 30, 2025 | Sep. 30, 2024
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |
Balance at beginning of year | $ 1,678 | $ 1,084
Net charged to Net Income | 2,092 | 1,309
Currency translation adjustments | 265 | (96)
Write-offs | (1,205) | (685)
Balance at end of period | 2,830 | 1,612
Merchant |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |
Balance at beginning of year | 417 | 256
Net charged to Net Income | 502 | 328
Currency translation adjustments | 64 | (20)
Write-offs | (315) | (171)
Balance at end of period | 668 | 393
Consumer |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |
Balance at beginning of year | 696 | 591
Net charged to Net Income | 847 | 569
Currency translation adjustments | 88 | (37)
Write-offs | (517) | (398)
Balance at end of period | 1,114 | 725
Credit cards |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |
Balance at beginning of year | 557 | 236
Net charged to Net Income | 733 | 406
Currency translation adjustments | 111 | (39)
Write-offs | (369) | (116)
Balance at end of period | 1,032 | 487
Asset-backed |  |
Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward] |  |
Balance at beginning of year | 8 | 1
Net charged to Net Income | 10 | 6
Currency translation adjustments | 2 | 0
Write-offs | (4) | 0
Balance at end of period | $ 16 | $ 7

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