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LOANS RECEIVABLE, NET (Tables) | 9 Months Ended
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Sep. 30, 2025
Receivables [Abstract] |
Schedule Of Loans Receivable, Net | The Company classifies loans receivable as “Merchant,” “Consumer,” “Credit cards” and “Asset-backed.” As of September 30, 2025 and December 31, 2024, the components of current and non-current Loans receivable, net were as follows:
| September 30, 2025
| Loans receivable |  | Allowance for doubtful accounts |  | Loans receivable, net
| (In millions)
Merchant | $ | 1,877 |  |  | $ | (668) |  |  | $ | 1,209 |
Consumer | 4,088 |  |  | (1,114) |  |  | 2,974 |
Credit cards | 4,803 |  |  | (1,032) |  |  | 3,771 |
Asset-backed | 254 |  |  | (16) |  |  | 238 |
Total | $ | 11,022 |  |  | $ | (2,830) |  |  | $ | 8,192 |
| 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 nine-month periods ended September 30, 2025 and 2024:
| September 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 | 502 |  |  | 847 |  |  | 733 |  |  | 10 |  |  | 2,092 |
Currency translation adjustments | 64 |  |  | 88 |  |  | 111 |  |  | 2 |  |  | 265 |
Write-offs (1) | (315) |  |  | (517) |  |  | (369) |  |  | (4) |  |  | (1,205) |
Balance at end of period | $ | 668 |  |  | $ | 1,114 |  |  | $ | 1,032 |  |  | $ | 16 |  |  | $ | 2,830 |
| September 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 | 328 |  |  | 569 |  |  | 406 |  |  | 6 |  |  | 1,309 |
Currency translation adjustments | (20) |  |  | (37) |  |  | (39) |  |  | — |  |  | (96) |
Write-offs (1) | (171) |  |  | (398) |  |  | (116) |  |  | — |  |  | (685) |
Balance at end of period | $ | 393 |  |  | $ | 725 |  |  | $ | 487 |  |  | $ | 7 |  |  | $ | 1,612 |
(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:
| September 30, 2025 |  | December 31, 2024
| (In millions)
1-14 days past due | $ | 319 |  |  | $ | 125 |
15-30 days past due | 217 |  |  | 146 |
31-60 days past due | 281 |  |  | 175 |
61-90 days past due | 254 |  |  | 167 |
91-120 days past due | 259 |  |  | 178 |
121-150 days past due | 227 |  |  | 155 |
151-180 days past due | 236 |  |  | 138 |
181-210 days past due | 222 |  |  | 129 |
211-240 days past due | 238 |  |  | 118 |
241-270 days past due | 211 |  |  | 121 |
271-300 days past due | 183 |  |  | 109 |
301-330 days past due | 191 |  |  | 112 |
331-360 days past due | 168 |  |  | 90 |
Total past due | 3,006 |  |  | 1,763 |
To become due | 8,016 |  |  | 4,810 |
Total | $ | 11,022 |  |  | $ | 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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