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Consumer receivables - Reconciliation of changes in loss allowance and in gross carrying amount (Details) - USD ($) $ in Millions | 12 Months Ended
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Dec. 31, 2025 | Dec. 31, 2024
Fair Financing receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | $ 2,954 |
Financial assets at ending balance | 4,332 | $ 2,954
Pay Later receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 5,187 |
Financial assets at ending balance | 6,127 | 5,187
Carrying Amount |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 8,473 | 8,394
New assets originated or purchased |  | 56,017
Assets repaid |  | (54,813)
Transfers to stage 1 |  | 0
Transfers to stage 2 |  | 0
Transfers to stage 3 |  | 0
Amounts written off |  | (467)
Proceeds received from the sale of consumer receivables |  | (155)
Other adjustments |  | (503)
Financial assets at ending balance |  | 8,473
Carrying Amount | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 7,952 | 7,753
New assets originated or purchased |  | 55,836
Assets repaid |  | (52,841)
Transfers to stage 1 |  | 816
Transfers to stage 2 |  | (3,067)
Transfers to stage 3 |  | (19)
Amounts written off |  | (27)
Proceeds received from the sale of consumer receivables |  | 0
Other adjustments |  | (499)
Financial assets at ending balance |  | 7,952
Carrying Amount | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 366 | 497
New assets originated or purchased |  | 163
Assets repaid |  | (1,730)
Transfers to stage 1 |  | (799)
Transfers to stage 2 |  | 3,080
Transfers to stage 3 |  | (784)
Amounts written off |  | (38)
Proceeds received from the sale of consumer receivables |  | (20)
Other adjustments |  | (3)
Financial assets at ending balance |  | 366
Carrying Amount | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 155 | 144
New assets originated or purchased |  | 18
Assets repaid |  | (242)
Transfers to stage 1 |  | (17)
Transfers to stage 2 |  | (13)
Transfers to stage 3 |  | 803
Amounts written off |  | (402)
Proceeds received from the sale of consumer receivables |  | (135)
Other adjustments |  | (1)
Financial assets at ending balance |  | 155
Carrying Amount | Fair Financing receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 3,085 |
New assets originated or purchased | 11,161 |
Assets repaid | (9,581) |
Transfers to stage 1 | 0 |
Transfers to stage 2 | 0 |
Transfers to stage 3 | 0 |
Amounts written off | (249) |
Proceeds received from the sale of consumer receivables | (36) |
Other adjustments | 225 |
Financial assets at ending balance | 4,604 | 3,085
Carrying Amount | Fair Financing receivables | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 2,893 |
New assets originated or purchased | 11,046 |
Assets repaid | (9,128) |
Transfers to stage 1 | 473 |
Transfers to stage 2 | (1,151) |
Transfers to stage 3 | (45) |
Amounts written off | (26) |
Proceeds received from the sale of consumer receivables | (2) |
Other adjustments | 206 |
Financial assets at ending balance | 4,267 | 2,893
Carrying Amount | Fair Financing receivables | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 140 |
New assets originated or purchased | 98 |
Assets repaid | (385) |
Transfers to stage 1 | (466) |
Transfers to stage 2 | 1,166 |
Transfers to stage 3 | (320) |
Amounts written off | (21) |
Proceeds received from the sale of consumer receivables | (11) |
Other adjustments | 15 |
Financial assets at ending balance | 216 | 140
Carrying Amount | Fair Financing receivables | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 53 |
New assets originated or purchased | 17 |
Assets repaid | (69) |
Transfers to stage 1 | (7) |
Transfers to stage 2 | (15) |
Transfers to stage 3 | 364 |
Amounts written off | (203) |
Proceeds received from the sale of consumer receivables | (23) |
Other adjustments | 4 |
Financial assets at ending balance | 121 | 53
Carrying Amount | Pay Later receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 5,388 |
New assets originated or purchased | 55,559 |
Assets repaid | (54,823) |
Transfers to stage 1 | 0 |
Transfers to stage 2 | 0 |
Transfers to stage 3 | 0 |
Amounts written off | (376) |
Proceeds received from the sale of consumer receivables | (109) |
Other adjustments | 708 |
Financial assets at ending balance | 6,347 | 5,388
Carrying Amount | Pay Later receivables | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 5,059 |
New assets originated or purchased | 55,477 |
Assets repaid | (53,591) |
Transfers to stage 1 | 169 |
Transfers to stage 2 | (1,795) |
Transfers to stage 3 | (25) |
Amounts written off | (31) |
Proceeds received from the sale of consumer receivables | 0 |
Other adjustments | 673 |
Financial assets at ending balance | 5,936 | 5,059
Carrying Amount | Pay Later receivables | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 227 |
New assets originated or purchased | 69 |
Assets repaid | (1,049) |
Transfers to stage 1 | (164) |
Transfers to stage 2 | 1,797 |
Transfers to stage 3 | (623) |
Amounts written off | (21) |
Proceeds received from the sale of consumer receivables | 0 |
Other adjustments | 27 |
Financial assets at ending balance | 263 | 227
Carrying Amount | Pay Later receivables | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | 102 |
New assets originated or purchased | 13 |
Assets repaid | (183) |
Transfers to stage 1 | (5) |
Transfers to stage 2 | (1) |
Transfers to stage 3 | 648 |
Amounts written off | (324) |
Proceeds received from the sale of consumer receivables | (109) |
Other adjustments | 8 |
Financial assets at ending balance | 149 | 102
Allowance for ECL |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (332) | (311)
New assets originated or purchased |  | (592)
Assets repaid |  | 946
Transfers to stage 1 |  | 0
Transfers to stage 2 |  | 0
Transfers to stage 3 |  | 0
Other movements in ECL allowance |  | (777)
Amounts written off |  | 389
Other adjustments |  | 13
Financial assets at ending balance |  | (332)
Allowance for ECL | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (144) | (139)
New assets originated or purchased |  | (551)
Assets repaid |  | 612
Transfers to stage 1 |  | (54)
Transfers to stage 2 |  | 178
Transfers to stage 3 |  | 2
Other movements in ECL allowance |  | (215)
Amounts written off |  | 4
Other adjustments |  | 19
Financial assets at ending balance |  | (144)
Allowance for ECL | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (84) | (87)
New assets originated or purchased |  | (26)
Assets repaid |  | 172
Transfers to stage 1 |  | 44
Transfers to stage 2 |  | (185)
Transfers to stage 3 |  | 402
Other movements in ECL allowance |  | (419)
Amounts written off |  | 20
Other adjustments |  | (5)
Financial assets at ending balance |  | (84)
Allowance for ECL | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (104) | (85)
New assets originated or purchased |  | (15)
Assets repaid |  | 162
Transfers to stage 1 |  | 10
Transfers to stage 2 |  | 7
Transfers to stage 3 |  | (404)
Other movements in ECL allowance |  | (143)
Amounts written off |  | 365
Other adjustments |  | (1)
Financial assets at ending balance |  | (104)
Allowance for ECL | Fair Financing receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (131) |
New assets originated or purchased | (349) |
Assets repaid | 345 |
Transfers to stage 1 | 0 |
Transfers to stage 2 | 0 |
Transfers to stage 3 | 0 |
Other movements in ECL allowance | (291) |
Amounts written off | 154 |
Other adjustments | 0 |
Financial assets at ending balance | (272) | (131)
Allowance for ECL | Fair Financing receivables | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (69) |
New assets originated or purchased | (318) |
Assets repaid | 227 |
Transfers to stage 1 | (50) |
Transfers to stage 2 | 109 |
Transfers to stage 3 | 1 |
Other movements in ECL allowance | (29) |
Amounts written off | 3 |
Other adjustments | (1) |
Financial assets at ending balance | (127) | (69)
Allowance for ECL | Fair Financing receivables | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (26) |
New assets originated or purchased | (20) |
Assets repaid | 66 |
Transfers to stage 1 | 46 |
Transfers to stage 2 | (117) |
Transfers to stage 3 | 182 |
Other movements in ECL allowance | (193) |
Amounts written off | 9 |
Other adjustments | 1 |
Financial assets at ending balance | (52) | (26)
Allowance for ECL | Fair Financing receivables | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (36) |
New assets originated or purchased | (11) |
Assets repaid | 52 |
Transfers to stage 1 | 4 |
Transfers to stage 2 | 8 |
Transfers to stage 3 | (183) |
Other movements in ECL allowance | (69) |
Amounts written off | 142 |
Other adjustments | 0 |
Financial assets at ending balance | (93) | (36)
Allowance for ECL | Pay Later receivables |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (201) |
New assets originated or purchased | (409) |
Assets repaid | 697 |
Transfers to stage 1 | 0 |
Transfers to stage 2 | 0 |
Transfers to stage 3 | 0 |
Other movements in ECL allowance | (620) |
Amounts written off | 333 |
Other adjustments | (20) |
Financial assets at ending balance | (220) | (201)
Allowance for ECL | Pay Later receivables | Financial instruments not credit-impaired | Stage 1 |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (77) |
New assets originated or purchased | (383) |
Assets repaid | 455 |
Transfers to stage 1 | (7) |
Transfers to stage 2 | 168 |
Transfers to stage 3 | 1 |
Other movements in ECL allowance | (227) |
Amounts written off | 5 |
Other adjustments | (8) |
Financial assets at ending balance | (73) | (77)
Allowance for ECL | Pay Later receivables | Financial instruments not credit-impaired | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (57) |
New assets originated or purchased | (19) |
Assets repaid | 126 |
Transfers to stage 1 | 3 |
Transfers to stage 2 | (169) |
Transfers to stage 3 | 345 |
Other movements in ECL allowance | (294) |
Amounts written off | 15 |
Other adjustments | (6) |
Financial assets at ending balance | (56) | (57)
Allowance for ECL | Pay Later receivables | Stage 3 | Lifetime expected credit losses |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |
Financial assets at beginning balance | (67) |
New assets originated or purchased | (7) |
Assets repaid | 116 |
Transfers to stage 1 | 4 |
Transfers to stage 2 | 1 |
Transfers to stage 3 | (346) |
Other movements in ECL allowance | (99) |
Amounts written off | 313 |
Other adjustments | (6) |
Financial assets at ending balance | $ (91) | $ (67)

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