Provides an option to include pending transactions in the response. When set to true, the response payload includes an additional pending_plaid_transactions field listing currently pending transactions for the Book’s Plaid-linked accounts.

Pending Plaid transactions are transactions that the financial institution has reported to Plaid but which have not yet posted to the account. For example, card authorizations that have not cleared, or ACH debits still in flight. Including them gives you early visibility into recent activity that will eventually appear in the posted transaction set.

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Note

• Pending transactions are surfaced for visibility only. They are not processed through Ocrolus’s enrichment pipeline and therefore do not include tags, categories, or counterparties.
• These transactions are excluded from all analytics outputs. Cash flow features, Book summaries, risk scores, lender analytics, and analytics exports are computed only from posted transactions.
• Once a pending transaction posts at the financial institution, it is processed through enrichment and appears in the standard posted transaction set on the next refresh. The pending entry is then removed.

When true, runs the request as a background job and returns a job_id immediately instead of the analytics payload. Required for Books with more than 100,000 transactions. Books exceeding 1,000,000 transactions are rejected with 422 (error code 1100).