Fetch recurring transaction streams
POST /transactions/recurring/get
The /transactions/recurring/get endpoint allows developers to receive a summary of the recurring outflow and inflow streams (expenses and deposits) from a user’s checking, savings or credit card accounts. Additionally, Plaid provides key insights about each recurring stream including the category, merchant, last amount, and more. Developers can use these insights to build tools and experiences that help their users better manage cash flow, monitor subscriptions, reduce spend, and stay on track with bill payments.
This endpoint is offered as an add-on to Transactions. To request access to this endpoint, submit a product access request or contact your Plaid account manager.
This endpoint can only be called on an Item that has already been initialized with Transactions (either during Link, by specifying it in /link/token/create; or after Link, by calling /transactions/get or /transactions/sync).
When using Recurring Transactions, for best results, make sure to use the days_requested parameter to request at least 180 days of history when initializing Items with Transactions. Once all historical transactions have been fetched, call /transactions/recurring/get to receive the Recurring Transactions streams and subscribe to the RECURRING_TRANSACTIONS_UPDATE webhook. To know when historical transactions have been fetched, if you are using /transactions/sync listen for the SYNC_UPDATES_AVAILABLE webhook and check that the historical_update_complete field in the payload is true. If using /transactions/get, listen for the HISTORICAL_UPDATE webhook.
After the initial call, you can call /transactions/recurring/get endpoint at any point in the future to retrieve the latest summary of recurring streams. Listen to the RECURRING_TRANSACTIONS_UPDATE webhook to be notified when new updates are available.
Request Body
Required
TransactionsRecurringGetRequest defines the request schema for /transactions/recurring/get
Parameters
client_id
Your Plaid API
client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
access_token
The access token associated with the Item data is being requested for.
secret
Your Plaid API
secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
options
An optional object to be used with the request. If specified,
options must not be null.
include_personal_finance_category
Personal finance categories are now returned by default.
personal_finance_category_version
Optional parameter that specifies which version of the personal finance category taxonomy to return. The v2 taxonomy is defined here. The legacy v1 taxonomy is defined here.
If you enabled any Financial Insights products before October 2025 you will receive a default of
v1 taxonomy and may request v2 by explicitly setting this field to v2.
If you enabled any Financial Insights products on or after October 2025 you may only receive v2 taxonomy.
account_ids
An optional list of
account_ids to retrieve for the Item. Retrieves all active accounts on item if no account_ids are provided.
Note: An error will be returned if a provided account_id is not associated with the Item.
Response
TransactionsRecurringGetResponse defines the response schema for /transactions/recurring/get
Response Properties
inflow_streams
An array of depository transaction streams.
account_id
The ID of the account to which the stream belongs
stream_id
A unique id for the stream
category
A hierarchical array of the categories to which this transaction belongs. See Categories.
All implementations are encouraged to use the new
personal_finance_category instead of category. personal_finance_category provides more meaningful categorization and greater accuracy.
category_id
The ID of the category to which this transaction belongs. See Categories.
All implementations are encouraged to use the new
personal_finance_category instead of category. personal_finance_category provides more meaningful categorization and greater accuracy.
description
A description of the transaction stream.
merchant_name
The merchant associated with the transaction stream.
first_date
The posted date of the earliest transaction in the stream.
last_date
The posted date of the latest transaction in the stream.
predicted_next_date
The predicted date of the next payment. This will only be set if the next payment date can be predicted.
frequency
Describes the frequency of the transaction stream.
WEEKLY: Assigned to a transaction stream that occurs approximately every week.
BIWEEKLY: Assigned to a transaction stream that occurs approximately every 2 weeks.
SEMI_MONTHLY: Assigned to a transaction stream that occurs approximately twice per month. This frequency is typically seen for inflow transaction streams.
MONTHLY: Assigned to a transaction stream that occurs approximately every month.
ANNUALLY: Assigned to a transaction stream that occurs approximately every year.
UNKNOWN: Assigned to a transaction stream that does not fit any of the pre-defined frequencies.
transaction_ids
An array of Plaid transaction IDs belonging to the stream, sorted by posted date.
average_amount
Object with data pertaining to an amount on the transaction stream.
amount
Represents the numerical value of an amount.
iso_currency_code
The ISO-4217 currency code of the amount. Always
null if unofficial_currency_code is non-null.
See the currency code schema for a full listing of supported iso_currency_codes.
unofficial_currency_code
The unofficial currency code of the amount. Always
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
last_amount
Object with data pertaining to an amount on the transaction stream.
amount
Represents the numerical value of an amount.
iso_currency_code
The ISO-4217 currency code of the amount. Always
null if unofficial_currency_code is non-null.
See the currency code schema for a full listing of supported iso_currency_codes.
unofficial_currency_code
The unofficial currency code of the amount. Always
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
is_active
Indicates whether the transaction stream is still live.
status
The current status of the transaction stream.
MATURE: A MATURE recurring stream should have at least 3 transactions and happen on a regular cadence (For Annual recurring stream, we will mark it MATURE after 2 instances).
EARLY_DETECTION: When a recurring transaction first appears in the transaction history and before it fulfills the requirement of a mature stream, the status will be EARLY_DETECTION.
TOMBSTONED: A stream that was previously in the EARLY_DETECTION status will move to the TOMBSTONED status when no further transactions were found at the next expected date.
UNKNOWN: A stream is assigned an UNKNOWN status when none of the other statuses are applicable.
personal_finance_category
Information describing the intent of the transaction. Most relevant for personal finance use cases, but not limited to such use cases.
See the
taxonomy CSV file for a full list of personal finance categories. If you are migrating to personal finance categories from the legacy categories, also refer to the migration guide.
primary
A high level category that communicates the broad category of the transaction.
detailed
A granular category conveying the transaction’s intent. This field can also be used as a unique identifier for the category.
confidence_level
A description of how confident we are that the provided categories accurately describe the transaction intent.
VERY_HIGH: We are more than 98% confident that this category reflects the intent of the transaction.
HIGH: We are more than 90% confident that this category reflects the intent of the transaction.
MEDIUM: We are moderately confident that this category reflects the intent of the transaction.
LOW: This category may reflect the intent, but there may be other categories that are more accurate.
UNKNOWN: We don’t know the confidence level for this category.
version
The version of the personal finance category requested. Possible values are “v1” and “v2”
is_user_modified
As the ability to modify transactions streams has been discontinued, this field will always be
false.
last_user_modified_datetime
The date and time of the most recent user modification. This will only be set if
is_user_modified is true.
outflow_streams
An array of expense transaction streams.
account_id
The ID of the account to which the stream belongs
stream_id
A unique id for the stream
category
A hierarchical array of the categories to which this transaction belongs. See Categories.
All implementations are encouraged to use the new
personal_finance_category instead of category. personal_finance_category provides more meaningful categorization and greater accuracy.
category_id
The ID of the category to which this transaction belongs. See Categories.
All implementations are encouraged to use the new
personal_finance_category instead of category. personal_finance_category provides more meaningful categorization and greater accuracy.
description
A description of the transaction stream.
merchant_name
The merchant associated with the transaction stream.
first_date
The posted date of the earliest transaction in the stream.
last_date
The posted date of the latest transaction in the stream.
predicted_next_date
The predicted date of the next payment. This will only be set if the next payment date can be predicted.
frequency
Describes the frequency of the transaction stream.
WEEKLY: Assigned to a transaction stream that occurs approximately every week.
BIWEEKLY: Assigned to a transaction stream that occurs approximately every 2 weeks.
SEMI_MONTHLY: Assigned to a transaction stream that occurs approximately twice per month. This frequency is typically seen for inflow transaction streams.
MONTHLY: Assigned to a transaction stream that occurs approximately every month.
ANNUALLY: Assigned to a transaction stream that occurs approximately every year.
UNKNOWN: Assigned to a transaction stream that does not fit any of the pre-defined frequencies.
transaction_ids
An array of Plaid transaction IDs belonging to the stream, sorted by posted date.
average_amount
Object with data pertaining to an amount on the transaction stream.
amount
Represents the numerical value of an amount.
iso_currency_code
The ISO-4217 currency code of the amount. Always
null if unofficial_currency_code is non-null.
See the currency code schema for a full listing of supported iso_currency_codes.
unofficial_currency_code
The unofficial currency code of the amount. Always
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
last_amount
Object with data pertaining to an amount on the transaction stream.
amount
Represents the numerical value of an amount.
iso_currency_code
The ISO-4217 currency code of the amount. Always
null if unofficial_currency_code is non-null.
See the currency code schema for a full listing of supported iso_currency_codes.
unofficial_currency_code
The unofficial currency code of the amount. Always
null if iso_currency_code is non-null. Unofficial currency codes are used for currencies that do not have official ISO currency codes, such as cryptocurrencies and the currencies of certain countries.
is_active
Indicates whether the transaction stream is still live.
status
The current status of the transaction stream.
MATURE: A MATURE recurring stream should have at least 3 transactions and happen on a regular cadence (For Annual recurring stream, we will mark it MATURE after 2 instances).
EARLY_DETECTION: When a recurring transaction first appears in the transaction history and before it fulfills the requirement of a mature stream, the status will be EARLY_DETECTION.
TOMBSTONED: A stream that was previously in the EARLY_DETECTION status will move to the TOMBSTONED status when no further transactions were found at the next expected date.
UNKNOWN: A stream is assigned an UNKNOWN status when none of the other statuses are applicable.
personal_finance_category
Information describing the intent of the transaction. Most relevant for personal finance use cases, but not limited to such use cases.
See the
taxonomy CSV file for a full list of personal finance categories. If you are migrating to personal finance categories from the legacy categories, also refer to the migration guide.
primary
A high level category that communicates the broad category of the transaction.
detailed
A granular category conveying the transaction’s intent. This field can also be used as a unique identifier for the category.
confidence_level
A description of how confident we are that the provided categories accurately describe the transaction intent.
VERY_HIGH: We are more than 98% confident that this category reflects the intent of the transaction.
HIGH: We are more than 90% confident that this category reflects the intent of the transaction.
MEDIUM: We are moderately confident that this category reflects the intent of the transaction.
LOW: This category may reflect the intent, but there may be other categories that are more accurate.
UNKNOWN: We don’t know the confidence level for this category.
version
The version of the personal finance category requested. Possible values are “v1” and “v2”
is_user_modified
As the ability to modify transactions streams has been discontinued, this field will always be
false.
last_user_modified_datetime
The date and time of the most recent user modification. This will only be set if
is_user_modified is true.
updated_datetime
Timestamp in ISO 8601 format (
YYYY-MM-DDTHH:mm:ssZ) indicating the last time transaction streams for the given account were updated on
personal_finance_category_version
Optional parameter that specifies which version of the personal finance category taxonomy to return. The v2 taxonomy is defined here. The legacy v1 taxonomy is defined here.
If you enabled any Financial Insights products before October 2025 you will receive a default of
v1 taxonomy and may request v2 by explicitly setting this field to v2.
If you enabled any Financial Insights products on or after October 2025 you may only receive v2 taxonomy.
request_id
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.