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I'm doing something similar to power an e-ink based display in my house. I see about 24 hours of delay on the transaction API using the free tier which is the only shortcoming of this approach. The Plaid API is very nice.

Does anyone know if the production (non-free) level reduces the delay?

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In production, the delay I'd expect is about six hours, but for certain institutions it'll be much higher. Pending transaction support doesn't exist for all institutions, so in the worst case you could swipe your card on a Friday afternoon and not see it in Plaid until the transaction actually clears early Monday morning.

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