When you make a request to our /transactions/get 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 /transactions/get 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 not available by default, and must be requested after being granted production access.