An initial pull occurs when an item first accesses the Transactions product. By default, Plaid pulls the item's last 30 days of transactions. On average, this takes between 30 seconds to two minutes. After the initial pull, Plaid begins the historical pull, pulling all available transactions. The historical pull typically takes three to five minutes, but may take longer, depending on the number of accounts and transactions associated with the item.
The completion of either pull should trigger a webhook. When an initial pull has finished, Plaid will send an INITIAL_UPDATE webhook, and when the historical pull has finished, Plaid will send a HISTORICAL_UPDATE webhook. See our webhook articles for more information.