[No QA] Update help docs for Release 1: Add pending BYOC transactions (Plaid)

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.**
 

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?
 

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.
 

docs/articles/new-expensify/connect-credit-cards/connect-and-manage-personal-cards/Connect-Personal-Cards.md

@@ -24,12 +24,14 @@ 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 directly through your bank's secure login import transactions after they post.
+
 ---
 
 ## What to do if you see a company card warning

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.

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).
 

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. 

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 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?
 

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?