When you make a request to the /transactions/get or /transactions/sync endpoint, the data returned will be correct relative to the time that Plaid last made a request to retrieve transactions data.
Plaid makes requests to financial institutions at regular intervals in order to retrieve fresh transactions data. Updates may happen daily or as frequently as every few hours, but this frequency varies by institution.
As Plaid's requests for new transactions data is only periodic, there will be scenarios where transactions may appears on the user's bank statement but are not yet available via the endpoint. These transactions will become available after Plaid's next request for new transactions data.
In order to be informed when new transactions data is available, we strongly recommend that you leverage our Transactions webhooks.
If you require real-time transaction updates you can leverage our /transactions/refresh product. This endpoint will prompt Plaid to make a real-time request for new transactions data and return it to you immediately. Note that /transactions/refresh is billed separately from Transactions and not provided by default. If you do not have access to this endpoint, you may request it by clicking "Add Products" from the Products page in the Dashboard.