From d9dd5d00316d9d7789d4f6bf5dede33330ca1363 Mon Sep 17 00:00:00 2001 From: "Joseph Kaufman (via MelvinBot)" Date: Wed, 14 Oct 2026 16:46:20 +0000 Subject: [PATCH 1/5] Update help docs for pending Plaid card transactions Co-authored-by: Joseph Kaufman --- .../Reconcile-Company-Card-Expenses.md | 2 +- .../reports/Report-Approvals.md | 4 ++-- .../Assign-Company-Cards.md | 1 + .../Connect-Personal-Cards.md | 2 ++ ...-up-a-Direct-Connection-for-Company-Cards.md | 17 ++++++++++++++++- ...Company-Card-Connection-Across-Workspaces.md | 1 + .../reports-and-expenses/Approve-Expenses.md | 2 +- .../Create-and-Submit-Reports.md | 4 ++-- 8 files changed, 26 insertions(+), 7 deletions(-) diff --git a/docs/articles/expensify-classic/connect-credit-cards/Reconcile-Company-Card-Expenses.md b/docs/articles/expensify-classic/connect-credit-cards/Reconcile-Company-Card-Expenses.md index 19b1ed1d8b83..c3aa80b9b295 100644 --- a/docs/articles/expensify-classic/connect-credit-cards/Reconcile-Company-Card-Expenses.md +++ b/docs/articles/expensify-classic/connect-credit-cards/Reconcile-Company-Card-Expenses.md @@ -94,5 +94,5 @@ Only Domain Admins can access the Reconciliation tool. - Amount - Last four digits of the card number -**Note: Only posted transactions will be imported.** +**Note: Only posted transactions will be imported, except for cards connected through Plaid. Plaid cards also import pending transactions, which are marked as pending until they post.** diff --git a/docs/articles/expensify-classic/reports/Report-Approvals.md b/docs/articles/expensify-classic/reports/Report-Approvals.md index 1af13e89bf83..e6d41e32b1ab 100644 --- a/docs/articles/expensify-classic/reports/Report-Approvals.md +++ b/docs/articles/expensify-classic/reports/Report-Approvals.md @@ -263,7 +263,7 @@ Only **Domain Admins** have access. - Amount - The last four digits of the card -**Note:** Only posted credit card transactions will import. +**Note:** Only posted credit card transactions will import, except for cards connected through Plaid. Plaid cards also import pending transactions, which are marked as pending until they post. No. Concierge Receipt Audit is automatically enabled for all Control plan workspaces and cannot be turned off. @@ -282,7 +282,7 @@ Use the **Reconciliation tool** to find missing expenses: - Amount - Last four digits of the card number -**Note:** Only **posted transactions** will be imported. +**Note:** Only **posted transactions** will be imported, except for cards connected through Plaid. Plaid cards also import pending transactions, which are marked as pending until they post. ## Can admins delete expenses on behalf of members? diff --git a/docs/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards.md b/docs/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards.md index 29403cce3bac..aa5d5e5eff58 100644 --- a/docs/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards.md +++ b/docs/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards.md @@ -41,6 +41,7 @@ If you haven’t set up a company card feed yet, learn how to set one up: ## What happens after you assign company cards - Posted transactions from the assigned card import automatically into the member's account as expenses. +- If the card is connected through Plaid, pending transactions also import and are marked as pending until they post. [Learn which connections import pending transactions](/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards#do-pending-transactions-import-from-a-direct-connection). - Expensify imports transactions from the **Transaction start date** onward. - The imported company card expenses are added to reports and submitted according to workspace rules. diff --git a/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md b/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md index 6ba11d39b978..024f46fb59b8 100644 --- a/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md +++ b/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md @@ -30,6 +30,8 @@ Anyone with an Expensify account can connect up to two personal cards for free. Once your card is connected, it will appear under **Cards** in the **Wallet**, and transactions will begin importing automatically. +If your card is connected through Plaid, pending transactions also import. They're marked as pending and update automatically when they post. Cards connected through your bank's secure login (oAuth) import transactions after they post. + --- ## What to do if you see a company card warning diff --git a/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards.md b/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards.md index fe63c007544a..e3002e7f5c76 100644 --- a/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards.md +++ b/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards.md @@ -1,7 +1,7 @@ --- title: Set up a Direct Connection for Company Cards description: Learn how to connect a company card account using a direct connection so its cards can be assigned to workspace members and their transactions imported into Expensify. -keywords: [New Expensify, set up direct company card connection, connect company cards Expensify, direct connection Expensify, direct feed Expensify, Plaid company cards] +keywords: [New Expensify, set up direct company card connection, connect company cards Expensify, direct connection Expensify, direct feed Expensify, Plaid company cards, pending company card transactions, Plaid pending transactions] internalScope: Audience is workspace admins and card admins. Covers connecting a company card account using a direct connection or Plaid. Does not cover assigning cards, managing cards, or troubleshooting connections. retrievalIntent: How to set up a direct connection to a bank or card provider for company cards. contentType: task @@ -48,6 +48,7 @@ To set up a direct connection, you must: - Cards with recent expenses appear as a list and can be assigned to workspace members. - After a card is assigned, posted transactions import into the assigned member's account automatically as expenses. +- If the card is connected through Plaid, pending transactions also import. They're marked as pending until they post. [Learn which connections import pending transactions](#do-pending-transactions-import-from-a-direct-connection). [Learn how to assign company cards](/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards). @@ -92,6 +93,20 @@ If you're still unable to connect to your bank, you can [import company card tra Yes, direct connections can be shared across workspaces. [Learn how to share a company card connection across workspaces](/articles/new-expensify/connect-credit-cards/connect-company-cards/Share-a-Company-Card-Connection-Across-Workspaces). +## Do pending transactions import from a direct connection? + +Pending transactions import only for cards connected through Plaid (the **Other** option in the bank list). Cards connected to any other bank in the list import transactions after they post, which typically takes 1–3 business days. + +When a pending transaction imports: + +- It's marked as pending until it posts. +- It updates automatically when the transaction posts. +- It's removed if the bank cancels the transaction or it doesn't post. + +A report can't be submitted or approved while every expense on it is pending. + +If you delete a pending expense, the transaction may import again after it posts. + ## Can I import debit card transactions? Yes, debit card transactions can be imported by following the same steps for setting up a direct connection for company cards. diff --git a/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Share-a-Company-Card-Connection-Across-Workspaces.md b/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Share-a-Company-Card-Connection-Across-Workspaces.md index 8b429d92725c..d86370751e60 100644 --- a/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Share-a-Company-Card-Connection-Across-Workspaces.md +++ b/docs/articles/new-expensify/connect-credit-cards/connect-company-cards/Share-a-Company-Card-Connection-Across-Workspaces.md @@ -52,6 +52,7 @@ To share a company card connection, you must: - Individual cards appear as a list and can be assigned to workspace members. - After a card is assigned, posted transactions import into the assigned member's account automatically as expenses. +- If the card is connected through Plaid, pending transactions also import and are marked as pending until they post. [Learn which connections import pending transactions](/articles/new-expensify/connect-credit-cards/connect-company-cards/Set-up-a-Direct-Connection-for-Company-Cards#do-pending-transactions-import-from-a-direct-connection). [Learn how to assign company cards](/articles/new-expensify/connect-credit-cards/configure-and-manage-company-cards/Assign-Company-Cards). diff --git a/docs/articles/new-expensify/reports-and-expenses/Approve-Expenses.md b/docs/articles/new-expensify/reports-and-expenses/Approve-Expenses.md index eb0f3ddc1f7d..6af9bfc99e0d 100644 --- a/docs/articles/new-expensify/reports-and-expenses/Approve-Expenses.md +++ b/docs/articles/new-expensify/reports-and-expenses/Approve-Expenses.md @@ -168,7 +168,7 @@ The outdated row is removed from the report. The expense itself is not deleted # FAQ ## Why can't I action a pending expense? -Expensify Card expenses show as pending until the merchant posts them. This can take 1–3 business days. Hotel or rental car holds may take longer (up to 31 days for hotels). Only posted expenses can be approved. +Expensify Card expenses, and expenses from cards connected through Plaid, show as pending until the merchant posts them. This can take 1–3 business days. Hotel or rental car holds may take longer (up to 31 days for hotels). Only posted expenses can be approved. ## Why can’t I see Bypass approvers? Only Workspace admins can bypass the prescribed approval workflow. If **Prevent Self-Approval** is enabled, an admin cannot bypass approvals to approve their own report. diff --git a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md index cc0b8a686ee0..2f2f4bbef412 100644 --- a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md +++ b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md @@ -229,9 +229,9 @@ Unsubmitted reports will remain in your Open reports section. You can go back an The **Submit** button only appears once your report includes at least one valid expense. If the report has already been submitted, the button will no longer be visible. If your workspace has no approval workflow, the button will say **Mark as done** instead of **Submit**. -## Why can’t I submit a report with pending Expensify Card transactions? +## Why can’t I submit a report with pending card transactions? -If all transactions on your report are pending Expensify Card transactions, the report can't be submitted yet. The **Submit** button won't appear, and the report isn't counted in your **Submit** to-do. Pending transactions may take a few days to post. After at least one transaction has posted, the **Submit** button appears again and you can submit the report. +If all transactions on your report are pending card transactions, the report can't be submitted yet. This applies to the Expensify Card and to company or personal cards connected through Plaid. The **Submit** button won't appear, and the report isn't counted in your **Submit** to-do. Pending transactions may take a few days to post. After at least one transaction has posted, the **Submit** button appears again and you can submit the report. ## What happens to held expenses when I submit a report? From ddb90450fdc07cd154608b2da84d41a91d33f230 Mon Sep 17 00:00:00 2001 From: "Joseph Kaufman (via MelvinBot)" Date: Wed, 14 Oct 2026 17:13:57 +0000 Subject: [PATCH 2/5] Clarify that Submit still shows for pending-only reports and opens an error modal Co-authored-by: Joseph Kaufman --- .../reports-and-expenses/Create-and-Submit-Reports.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md index 2f2f4bbef412..305e9d198803 100644 --- a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md +++ b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md @@ -231,7 +231,7 @@ The **Submit** button only appears once your report includes at least one valid ## Why can’t I submit a report with pending card transactions? -If all transactions on your report are pending card transactions, the report can't be submitted yet. This applies to the Expensify Card and to company or personal cards connected through Plaid. The **Submit** button won't appear, and the report isn't counted in your **Submit** to-do. Pending transactions may take a few days to post. After at least one transaction has posted, the **Submit** button appears again and you can submit the report. +If all transactions on your report are pending card transactions, the report can't be submitted yet. This applies to the Expensify Card and to company or personal cards connected through Plaid. The **Submit** button still appears, but if you select it, a message explains that the report can't be submitted because all transactions are pending. The report also isn't counted in your **Submit** to-do. Pending transactions may take a few days to post. After at least one transaction has posted, you can submit the report. ## What happens to held expenses when I submit a report? From 98eaa391d532734f84e1dcc983fc97587a4703d0 Mon Sep 17 00:00:00 2001 From: "Joseph Kaufman (via MelvinBot)" Date: Wed, 14 Oct 2026 17:33:50 +0000 Subject: [PATCH 3/5] State the pending-transaction submission rule without describing button visibility Co-authored-by: Joseph Kaufman --- .../reports-and-expenses/Create-and-Submit-Reports.md | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md index 305e9d198803..d7d4cb2a50f2 100644 --- a/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md +++ b/docs/articles/new-expensify/reports-and-expenses/Create-and-Submit-Reports.md @@ -231,7 +231,7 @@ The **Submit** button only appears once your report includes at least one valid ## Why can’t I submit a report with pending card transactions? -If all transactions on your report are pending card transactions, the report can't be submitted yet. This applies to the Expensify Card and to company or personal cards connected through Plaid. The **Submit** button still appears, but if you select it, a message explains that the report can't be submitted because all transactions are pending. The report also isn't counted in your **Submit** to-do. Pending transactions may take a few days to post. After at least one transaction has posted, you can submit the report. +If all transactions on a report are pending, the report can’t be submitted yet. This applies to Expensify Card transactions and to company or personal cards connected through Plaid. You can submit the report once at least one transaction posts. ## What happens to held expenses when I submit a report? From 178dc4e21df5e39f4c505f7beb2ff3b8f6678bda Mon Sep 17 00:00:00 2001 From: "Joseph Kaufman (via MelvinBot)" Date: Wed, 14 Oct 2026 17:41:22 +0000 Subject: [PATCH 4/5] Note that pending Plaid card transactions can auto-merge with SmartScanned receipts Co-authored-by: Joseph Kaufman --- .../reports-and-expenses/Why-Expenses-Duplicate.md | 8 ++++---- 1 file changed, 4 insertions(+), 4 deletions(-) diff --git a/docs/articles/new-expensify/reports-and-expenses/Why-Expenses-Duplicate.md b/docs/articles/new-expensify/reports-and-expenses/Why-Expenses-Duplicate.md index 5dd2c097d3c4..c14c4fb2ee4d 100644 --- a/docs/articles/new-expensify/reports-and-expenses/Why-Expenses-Duplicate.md +++ b/docs/articles/new-expensify/reports-and-expenses/Why-Expenses-Duplicate.md @@ -35,14 +35,14 @@ Expensify automatically merges a SmartScanned receipt with a matching card trans - The transaction dates match - The currencies match or fall within the allowed foreign exchange tolerance - Only one possible match exists -- The card transaction posts within seven days of the receipt being SmartScanned +- The card transaction posts within seven days of the receipt being SmartScanned. For cards connected through Plaid, the pending transaction can merge before it posts. **Expenses will not automatically merge if:** - The receipt was not SmartScanned or SmartScan did not complete -- Expense details were edited before the card transaction posted +- Expense details were edited before the card transaction posted (or, for cards connected through Plaid, before the pending transaction imported) - The amount, date, or currency differs beyond tolerance -- The card transaction posts after seven days +- The card transaction posts after seven days (or, for cards connected through Plaid, the pending transaction imports after seven days) - The foreign exchange difference exceeds five percent - The receipt is already matched to another expense - Both expenses are card transactions @@ -94,7 +94,7 @@ If both expenses are card transactions, they cannot be merged. Instead, [delete This happens when the receipt and card transaction did not merge into a single expense. This is usually due to differences in amount, date, currency, or timing. ## Why didn’t my receipt merge with my card transaction? -SmartScan requires a close match in amount, date, and currency. If those details differ, or if the card transaction has not posted within seven days, the expenses will not merge automatically. +SmartScan requires a close match in amount, date, and currency. If those details differ, or if the card transaction has not posted within seven days (for cards connected through Plaid, imported as pending within seven days), the expenses will not merge automatically. ## Can uploading the same receipt twice create duplicates? From 40b0917ab8435b61cc3ac645e98426096e48a7a6 Mon Sep 17 00:00:00 2001 From: Joseph Kaufman <54866469+joekaufmanexpensify@users.noreply.github.com> Date: Wed, 14 Oct 2026 14:18:15 -0400 Subject: [PATCH 5/5] Improve clarity on connecting personal cards Clarified the connection process for bank accounts and updated wording for transaction imports. --- .../Connect-Personal-Cards.md | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md b/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md index 024f46fb59b8..17f47f5b2997 100644 --- a/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md +++ b/docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md @@ -24,13 +24,13 @@ Anyone with an Expensify account can connect up to two personal cards for free. 2. Tap **Add personal card**. 3. Select your country from the country selector. 4. If you selected **United States**, choose your bank from the bank selector. - - If your bank is listed, you'll be prompted to connect via your bank's secure login (oAuth). + - If your bank is listed, you'll be prompted to directly connect via your bank's secure login. - If your bank is not listed, select **Other** to connect via Plaid. 5. Follow the prompts to log into your bank and authorize the connection. Once your card is connected, it will appear under **Cards** in the **Wallet**, and transactions will begin importing automatically. -If your card is connected through Plaid, pending transactions also import. They're marked as pending and update automatically when they post. Cards connected through your bank's secure login (oAuth) import transactions after they post. +If your card is connected through Plaid, pending transactions also import. They're marked as pending and update automatically when they post. Cards connected directly through your bank's secure login import transactions after they post. ---