/transactions/refresh is an optional endpoint that initiates an on-demand extraction to fetch the newest transactions for an Item. The on-demand extraction takes place in addition to the periodic extractions that automatically occur one or more times per day for any Transactions-enabled Item. The Item must already have Transactions added as a product in order to call /transactions/refresh.

If changes to transactions are discovered after calling /transactions/refresh, Plaid will fire a webhook: for /transactions/sync users, SYNC_UPDATES_AVAILABLE will be fired if there are any transactions updated, added, or removed. For users of both /transactions/sync and /transactions/get, TRANSACTIONS_REMOVED will be fired if any removed transactions are detected, and DEFAULT_UPDATE will be fired if any new transactions are detected. New transactions can be fetched by calling /transactions/get or /transactions/sync.

Note that the /transactions/refresh endpoint is not supported for Capital One (ins_128026) non-depository accounts and will result in a PRODUCTS_NOT_SUPPORTED error if called on an Item that contains only non-depository accounts from that institution.

As this endpoint triggers a synchronous request for fresh data, latency may be higher than for other Plaid endpoints (typically less than 10 seconds, but occasionally up to 30 seconds or more); if you encounter errors, you may find it necessary to adjust your timeout period when making requests.

/transactions/refresh is offered as an optional add-on to Transactions and has a separate fee model. To request access to this endpoint, submit a product access request or contact your Plaid account manager.