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plaid

Plaid transactions unavailable 2 minutes after a user connects their bank account (PRODUCT_NOT_READY)

I'm currently accessing user's plaid bank transactions using this approach:

  1. User connects to plaid through the plaid web/iframe component
  2. 2 minutes later POST /accounts/balance/get is called, which returns a list of bank account ids (account_ids)
  3. The transactions for the bank accounts retrieved in 2. are requested using POST transactions/get

transaction/get then gives the following error: PRODUCT_NOT_READY : the requested product is not yet ready. please provide a webhook or try the request again later

What I'm unclear on is how to trigger plaid to start pulling transactions. The documentation mentions that 30 days of transactions are available after ~10 seconds of "connecting an item to link". Is the user connecting to plaid through the iframe considered connecting to link (since it calls POST /link/item/create)? Ideally I can get access to the transactions without having to use webhooks.

Thanks!

Solution

  • Did you make sure to initialize Link with the transactions product in your call to /link/token/create? That would be the most likely source of the error -- the Item won't start fetching transactions on link unless transactions is specified in the products parameter of the /link/token/create call.