Moneris Insights - Pages
In this article, we will go over everything you need to know to gain insights into your business' health in three key pillars: Sales, Customers, and Competitors. These are known as the Pages in Moneris Insights.
Written by Ray Aravind
Updated at July 3rd, 2025
Table of Contents
Procedure
Overview
The Moneris Insights pages are designed to provide you with important information about the health of your business, to help you make impactful changes within your business based on the three key pillars; Sales, Customers, and Competitors. There is also an Insights page, which contains the Insights inbox.
Figure 1: The Sales page
Figure 2: The Customers page
Figure 3: The Competition page
A note about number rounding
The only values that are rounded in Moneris Insights are as follows:
- All percentage values - including percentages in comparison pills
- Y axis on the sales line graphs
- All customer counts (e.g., 12.6 customers will be rounded up to 13)
- All transaction counts (e.g., 53.4 transactions will be rounded down to 53)
For everything else, the full dollar and cents value of your sales revenue is displayed to two decimal places (e.g., $108.67).
Moneris Insights - Page Management
How do I access the Pages?
Once you log in to Moneris Insights, follow these steps to access the Sales, Customers, or Competition pages.
- To access the Sales page: From the main menu, click/tap the Sales icon.
- To access the Customer page: From the main menu, click/tap the Customer icon.
- To access the Competition page: From the main menu, click/tap the Competition icon.
How do I select a date range?
Use the date selector tool to enter a date range to view data. The date selector offers preset time periods, eliminating the need to enter a date range manually.
Note: For the initial release, you will not be allowed to enter or select a date range; your only options are the date presets.
Use date presets
Date presets are a quick way to access data without needing to enter a date range. The preset date options offered are:
- 1W: This is the default view, and represents the current week. The system considers a week to run from Sunday to Saturday.
- 1M: This represents the current month to date. The system considers a month to align to the calendar months.
- QTD: This represents the current quarter to date. A quarter is comprised of 3 calendar months, so Quarter 1 runs from the beginning of January to the end of March. Quarter 2 runs from the beginning of April to the end of June, while Quarter 3 occupies July through to the end of September, and Quarter 4 spans October to December.
- YTD: This represents the current year to date. The system considers a year to align to the calendar year (January - December).
The date presets appear across the top of the sales dashboard on the desktop version (Figure 1), and across the bottom on the mobile version (Figure 2).
Figure 1: Desktop version
Figure 2: Mobile version
Moneris Insights - The Sales Page
How are sales defined by Moneris Insights?
It is important to understand how Moneris Insights defines "sales":
- Moneris Insights defines sales by credit/debit cards/mobile wallets being used to transact payments on a Moneris device. Note: This means that if a customer pays with cash or a gift/loyalty card, their purchase is not captured by Moneris, so it will not be counted as a sale in Moneris Insights.
- The sales figures presented are gross sales only (voids and refunds are not included). Note: This means that you might see different sales amounts on different platforms (like Go Portal or Merchant Direct).
- The sales figures are gross sales from transactions, meaning that taxes and tips are included in the values being displayed on the screen.
- If your current batch has not been settled, the transactions within that batch will not appear in Moneris Insights.
How do I navigate the Sales Page?
The Sales page is divided into three sections:
- a sales graph which displays your total sales for the selected time period (Figure 1)
- a Weekly recap section , which provides a recap of the previous week's sales (Figure 2)
- a Goals section which shows Sales goal progress to date (Figure 3)
Figure 1 - The sales graph
Figure 2 - The Weekly recap section
Figure 3 - The sales goals
These sections are described below.
What information can I learn on the sales graph?
The Sales graph is the main focus of this page. It is an interactive graph capable of displaying current sales for the selected time period, a forecast of sales based upon spend trends, and your sales from the same time period of the previous year as applicable.
Note: If you are a brand new merchant, or new to Moneris, the last year's figures will not be available to you until you've been using Moneris devices for at least a year in your business.
The sales figures that appear on screen are gross values drawn from credit and debit transactions processed by your Moneris device within the time period. Cash sales are not captured in this data. You can choose to view the data for different time periods. Refer to the How do I select a date range section for more information on switching time frames for data views.
Actual, Forecast, and Last Year figures
On the dashboard you can click or tap at various points on the line and see specific figures for that point in time. The popup that appears (Figure 1) shows the date or date range, the percentage of change year over year, and the actual sales, forecast sales, and last year's sales in dollar values.
Figure 1 - Popup showing Actual, Forecast, and Last year's sales.
Note: The desktop and mobile versions of these graphs are different due to space constraints of the smaller screen. The desktop version will display actual and historical forecasts and year to date (YTD) sales values. The mobile version (Figure 2) only shows the actual and historical forecasts (not the YTD values).
Figure 2 - Mobile popup showing Actual and Forecast sales.
Notes on the sales numbers
It is important to note that most transactions are settled on the same day that they are processed on your Moneris device, or on the next day (roughly 97% of transactions), and thus will appear in the sales figures displayed on the Sales page. However, a small number of transactions (roughly 3%) can take up to four days to settle, which means that they will not be included in the sales figures shown.
You will not see immediate changes to sales values every time you process a transaction; you need to wait for the batch to be closed and settled.
Notes about dates along the X axis
The X axis of the graph is dynamically labelled with dates or days depending on which view you are using (Week, Month, QTD, or YTD), and also which platform you are viewing on (mobile or desktop). The X axis appears across the bottom of the graph (shown here with the red arrow); the Y axis appears to the left of the graph (shown here with the green arrow).
The table below explains what you will see based on your view selection and platform.
| Date view | Mobile platform | Desktop/Laptop web browser |
1 Week (1W) |
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1 Month (1M) |
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Quarter to Date (QTD) |
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Year to Date (YTD) |
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What information does the Weekly Recap show?
The Weekly recap section displays highlights from the previous week's sales. It displays the last week's gross sales and forecast at the top. Then it breaks down the sales performance (gross sales and number of transactions processed) for the best and worst days of the week, as well as the performance of the other five days.
Access the Weekly recap
You can access the Weekly recap section in three ways:
- the carousel of insights that appear at the top of the Sales page (Figure 1)
- scroll down the Sales page (Figure 2)
- through Insights notifications that land in the Insights inbox.
Figure 1 - A link to the Weekly Recap at the top of the Sales page.
Figure 2 - The Weekly recap section near the bottom of the Sales page.
The Competition section on the bottom of the weekly recap (Figure 3) is drawn from sales recorded by your competitors under the same merchant category to which your business belongs in your geographic area.
Note: This is based on your competitors also using Moneris devices to process credit and debit transactions. Cash and gift card transactions, merchants from a different business type, and non-Moneris merchants are not represented here.
The Customers section (Figure 3) provides a quick view of new and returning customer counts, and the gross average sale value.
Note: The Customer Dashboard provides a much more detailed view of this customer data.
Figure 3 - The Customers and Competition sections of the Weekly recap.
Reading and understanding the Weekly Recap data
Refer to the table below the image to understand what you see in the Weekly recap section of the Sales page.
| Number | Explanation |
| 1 | The top portion of the Weekly recap shows the date range for the data being displayed (e.g., last week), as well as the total sales from that week. There is also the forecast for the previous week, and a pill to mark whether or not this was an increase or decrease in total sales. On the pill, you can see the percentage. A green pill means an increase; a red pill would be a decrease, and a grey pill means no change. |
| 2 | In the Sales performance section, you can see your highest and lowest sales days of the previous week, including the total sales for the day and the number of credit/debit transactions processed by Moneris. |
| 3 | The Other days section shows the other five days of the week, including the total sales for the day and the number of credit/debit transactions processed by Moneris. These were not the highest nor the lowest sales days of the week. |
| 4 | The Customers section shows the number of new customers who processed a transaction paid by credit/debit, the number of repeat customers who used a credit/debit card at your location, as well as the average credit/debit sale. In addition, you can see pills that show the percentage increase or decrease from the previous weekly recap. A green pill means an increase; a red pill would be a decrease, and a grey pill means no change. |
| 5 | The Competition section shows sales data from merchants in your area (the first 3 digits of your postal code) who are the same business category. For example, if your business is a takeout restaurant in the L1G area, you would see similar merchant types in your area. You can see their aggregated total sales from the previous week, as well as their average sale, and the pills to indicate percent increases or decreases. A green pill means an increase; a red pill would be a decrease, and a grey pill means no change. |
If you wish to check out the previous week's weekly recap, click on the View now link at the bottom of the page.
How do I view my sales goals?
There are a couple of methods of accessing goals:
- through the Goals Hub
- through the Your Goals sections on the Sales page
To access the Goals Hub screen, follow these steps:
- From the app's main screen, tap/click the main menu.
- On the menu, tap/click Goals. The Goals screen appears.
To access the Goals from within the Pages:
- From the app's main screen, tap/click the main menu.
- Click/tap the Sales Page.
- In the Sales Page, scroll down to the Your Goals section at the bottom of the screen.
You may also want to refer to the How do I review goal details? section for additional information.
Moneris Insights - the Customers Page
What information does the Customers Page show?
The Customer page contains valuable data about the customers who have processed credit or debit transactions at your business. This data includes:
- number of new and returning customers (Figure 1)
- customer location and demographic information (Figure 2)
- customer spending trends (Figure 3)
- where customers spend money before and after they visit your business (Figure 4)
- customer goals (Figure 5)
Figure 1 - The Your week section of the Customers page provides customer counts
Figure 2 - The Your top areas section contains customer locations and demographics
Figure 3 - The Customer spend section displays spending trends of your top, middle, and low spending customers
Figure 4 - The Customer journey section provides information on where your customers are transacting before and after they patronize your business
Figure 5 - The Your customer goals section displays your current active customer acquisition goal
These sections of the Customers Page are described in detail below.
How are new customers defined? Who does the system consider to be a new customer?
It is important to understand how Moneris Insights defines "new customers". Moneris Insights defines new customers by unique credit/debit cards being used to transact payments on a Moneris device. This means that the first time a credit or debit card is tapped, swiped, or inserted (or accessed through a digital wallet such as ApplePay or GooglePay), Moneris classifies that as a new customer.
Note: This means that if a customer who may have patronized your business in the past has been issued a new credit or debit card by their bank or card issuer and they are now using it at your business, they are also considered "new".
In addition, your merchant category (type of business) will also impact who is considered a "new customer". For some merchant categories, the definition of a new customer is dependent upon the number of transactions processed on a credit/debit card within a 6 or 18 month period, e.g., Optometrists fall into the category of 18 months, while restaurants and hotels see more frequent foot traffic, putting them into the category of 6 months. This means if a new card is used to purchase an item at these establishments outside of the 6 or 18 month period, they will be considered as new.
How do I see the number of new and returning customers for my business?
In the Your week section at the top of the page, you can see the quantity of unique customers who visited your business and paid with credit & debit cards so far this week. The number of Unique customers and Total customer visits values change from day to day with traffic and transactions processed and settled.
Further down, the Customers section provides information on new and repeat customers as follows:
- the New Customers section provides a count on new customers who paid by debit or credit at your business. It shows their average sale and a total dollar value of sales. Refer to information on how the system defines "new" customers. Note that these dollar values are done by separating out "new" payment cards from payment cards that have transacted at your business prior to the reporting period.
- the Repeat Customers section provides a count on returning customers who paid by the same debit or credit at your business that they have used on previous visits. It shows their average sale and a total dollar value of sales.
- the pills that are present in each section provide the number of customers changed from the previous reporting period. In the screenshot below, we can see that we gained an increase of 33 new customers compared to the previous period, and an increase of 9 returning customers. A green pill represents an increase; a red pill is a decrease, and a grey pill means no change from the previous period.
Note: These customer counts will not display customers who paid cash, or bought nothing at all; values are calculated based on credit or debit card transactions that used Moneris as the payment processor. Unique customers are defined by the payment card they used when processing transactions. For example, if the same customer visits you on Monday, Wednesday, and Friday to purchase something and they use the same card, they are counted as 1.
How do I determine where my customers are coming from? How do I determine their demographics?
The Customer locations section (Figure 1) derives its data from a combination of sources, including federal census data, card issuer data, and Moneris transactional data from other Moneris merchant categories in your area.
You can use the Zoom to ribbon across the top of the map to change the focus of the map as follows:
- Zoom to Canada - zooms the map all the way out to show the entire country.
- Zoom to [province] - zooms the map in to the province in which your business operates.
- Zoom to [city] - zooms the map in to the city or census metropolitan area in which your business operates.
- Zoom to Neighbourhood - zooms the map into the area postal code in which your business operates.
Note: You can also zoom in and out on the map by clicking the zoom buttons () in the bottom right corner on the desktop version, or by pinching and zooming on a mobile device.
It is possible change the reporting period by clicking/tapping the Last month drop-down. Possible options are Last month, 3 months, or 12 months. If you select a different area on the map or a different reporting period, these numbers will dynamically update to reflect the data from the newly selected postal code/area or date respectively.
Figure 1 - The Customer locations section of the Customers page
In the Your top areas section of the screen, you can see the top three sales areas organized by postal code prefix. These areas are also displayed on the map that appears below. You can see the percentage of sales and customers that come from each postal code based on anonymized cardholder data. Click/tap View on map to have the map zoom in to that postal code area. You will also be able to see expanded demographic information (see Figure 2), including:
- the percentage of your customers who live in this area and the percentage of sales they account for
- the average age of area residents (derived from the last federal census)
- the population of the area (derived from the last federal census)
- the average annual income of the area (derived from the last federal census)
Figure 2 - Demographic information of the selected area
How do I determine my most highest and lowest spenders?
The Customer Spend section displays data on customer spending trends that is drawn from transaction data processed on your Moneris devices. The spending types in the Type column are separated out into High, Medium, and Low spend. The largest transactions (in dollars) processed in the time frame qualify as High. The smallest transactions in dollars qualify as Low, and everything in between are classified as Medium spends.
In the Customers column, these are the customer counts that correspond to spending at the various levels. The Transactions column shows the number of transactions that qualified as High, Medium, or Low spend, and the Average sale column shows the average spend that qualifies as High, Medium, or Low respectively. The pills present show the percentage or number increases compared to the previous report period. A green pill represents an increase; a red pill is a decrease, and a grey pill means no change from the previous period.
You can adjust the time frame being viewed by clicking/tapping the Last week drop-down and selecting a different period, e.g., last 3 months.
Where do my customers shop before they come to my business? Where do they go after they leave?
The data in the Customer journey section is drawn from transaction data collected by Moneris from other Moneris merchants in your geographic area. The categories you see are merchant types using Moneris devices to acquire credit/debit payment from their customers. The idea here is to look at where your customers are transacting before and after they patronize your business.
The Before section shows businesses in your area visited by cardholders before (on the same day) they came into your business. You can see the percentage of customers and their average spend at those businesses. The After section shows the same type of data on businesses that cardholders visit on the same day after leaving your business.
For example, if your business is a retail store located in a strip mall, you might see your customers stopping in at the dry cleaners a few doors down, and then the fast food joint in the adjoining plaza after they've shopped with you. This sort of insight will enable you to form reciprocal partnerships with neighbouring businesses to benefit you both, e.g., "Show us you've done your dry cleaning at Bert's Dry Cleaners and we'll give you 10% off your next purchase."
You can change the reporting period by clicking/tapping the Last month drop-down and selecting a different period; your choices are Last month, 3 months, and 12 months.
How do I view my current customer acquisition goal?
The Your customer goals section of the screen shows your progress towards your goal of increasing your customer base. This is derived from the customer goals you set up in the Goals Hub, and transactional data captured by your Moneris device. You have the option to view the goal details, create a new goal or to view all goals.
Note: If there is not an active customer goal already set up in the system, this section will provide a link to create a customer goal.
Moneris Insights - The Competitors Page
What information does the Competition page show?
The Competition page is designed to provide you with insight on the sales performance of your competitors. This page utilizes aggregated and anonymized data collected from both Moneris and non-Moneris sources. Some data is collected other Moneris merchants in your area who run the same type of business as you do, while Moneris Insights also leverages data from Google Places and uses Google Map data.
The very top of the Competitors page shows your business name, business type and sub-type, and your average star rating (out of 5) from Google Places based on ratings left by your customers on that platform.
Note: In the example here, we have blurred out the merchant's name, but you can see that they are a Specialty retailer, and their sub-type is Women's accessory and specialty shops. Their customers have given them a high rating of 4.7 stars.
The Competitors page is divided into three main sections:
- a map showing competitors near you (Figure 1)
- a comparison of other business subtypes (Figure 2)
- a comparison of businesses in your subtype (Figure 3)
Figure 1 - The Competitors near you map shows nearby competitors.
Figure 2 - A comparison of other business subtypes in your area.
Figure 3 - A comparison of your direct competitors in your area.
These different areas of the Competitors Page are described in the sections below.
How are competitors defined by Moneris Insights?
Before you can understand the data that's shown on the Competition page, it is important to first understand how Moneris Insights defines your competitors. A competitor in this case is defined as:
- a merchant location using Moneris devices to transact purchases paid by credit & debit cards.
- a merchant location that is the same business type and sub-type as your business.
For example, if you are a clothing retailer, you will be compared against other clothing retailers in your area who are also using Moneris devices.
It is important to note that Moneris Insights will not compare your business against:
- other businesses in your area that are not processing payments with Moneris.
- other businesses in your area that do not sell the same type of merchandise or offer the same type of service that you offer e.g., if you are a clothing retailer, you will not be compared to a convenience store.
Important: You will never be able to see the names of the businesses that are defined as your competitors, nor their location. This is due to the anonymization of the data that Moneris Insights collects and displays.
How do I use the map in the Competitors near you section?
The map in the Competitors near you section of the Competitors Page is dynamic, meaning that you can interact with it and change what you're viewing. Your business is marked by the home icon (
) on the teal pin at the centre of the radius (Figure 1).
Figure 1 - The map in the Competitors near you section shows the locations of businesses nearby.
Note: The radius you see is dynamic based on the minimum radius that helps them to comply with Moneris' 3/80 rule. The 3/80 rules means that there must be at least 3 merchants that your business can be compared against, with no one of those competitors having no more than 80% of market share. This means that a restaurant in the downtown core may have a radius of 1, 5, 25, 50 and 100 km, but a restaurant in a much more rural area may see a starting radius of 25 km.
Any yellow pins on the map indicate that these are newly opened competitors in your area. In our examples here, we have no newly opened businesses.
The teal pins on the map are your direct competitors (of the same business type). The numbers in those teal pins represent clusters of merchants of the same business type; teal pins without a number are standalone businesses. You can click on the pins to see additional information about the merchant(s) at that location. Clicking on a pin without numbers brings up information about the business at that location (Figure 2). If you click on a pin with a number, you will see the list of merchants at that location (Figure 3). You can click on a merchant in that list to see details (Figure 4).
Details that you can see about your competitors include:
- the business name
- the business type and sub-type
- their Google Places star rating (out of 5 stars)
- the number of ratings received (in brackets)
- a link to their business website (if available)
Note: The information displayed about businesses on the map is publicly available information derived from Google Places.
Figure 2 - Clicking on a pin without a number brings up details about the merchant at that location.
Figure 3 - Clicking on a pin with numbers brings up a list of merchants at that location with some information.
Figure 4 - Clicking on a merchant in the list brings up further details.
Navigating the map
There are various navigation controls for the map, and this section explains how to use them.
| Navigation element | How to use it | Notes |
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Clicking/tapping on Filters brings up the Filters popup menu with three possible filters: Business sub-type, Price level, and Rating. Click/tap the + symbol beside one of these filters and a list of checkboxes will appear.
Place a checkmark into one or more of the checkboxes to only see businesses that match that criteria, then click/tap the X at the top of the Filters popup to close it. The number of locations on the map will change depending on the filters you applied. To return your map to its default unfiltered state, click/tap Clear all filters. |
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The Zoom In/Out buttons in the bottom right corner of the map can be used to zoom in and out on the map. |
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Hover over this icon to see the map legend.
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Clicking/tapping this icon recentres the map, placing your business and the radius back at the centre of the map. |
How do my nearby competitors compare to my business?
The Let's see how your business compares to sub-types near you section of the Competitors Page helps you understand how your nearby business sub-types are performing in a few key metrics:
- their percentage share of the area's sales for the reporting period
- the average sale (in dollars) for the reporting period
- the average number of transactions for the reporting period
Your business sub-type appears at the top of the table and is shaded in a light blue. Coloured pills with percentages are also visible. These pills represent increases or decreases from previous reporting periods. A green pill represents an increase; a red pill is a decrease, and a grey pill means no change from the previous period.
You can change the reporting period by clicking the Last week drop-down and selecting Last month, 3 months, or 12 months to see more historical performances.
How does my business stack up against my direct competitors?
The Let's see how you compare to others in your business sub-type section at the bottom of the Competitors Page helps you understand how your business is performing against your direct competitors.
The section is divided into four tiles:
- Solid performers - this tile contains that vast majority of businesses like yours; not the best or worst performing.
- Leading performers - this tile contains the top performing businesses like yours; they command the largest average sale ticket, market share, and number of transactions.
- Emerging performers - this tile contains businesses that have room and opportunity for growth and to migrate into Solid territory. These businesses have the lowest average sale ticket, market share, and number of transactions.
- Your business - these are your performance metrics, which indicate into which tile you'd fit. In the screenshot above, this business would fall under the Solid performers tile.
Information contained in each tile is the same.
- Average sale - this value is calculated by adding up all of the credit/debit transaction totals, then dividing by the number of transactions that were processed within the reporting period.
- Average transactions - this value is calculated by adding the number of all credit/debit transactions processed within the reporting period, then dividing by the number of merchants.
- Average price level - This is drawn from price level ratings of businesses on Google Places and is not date dependent.
- Average rating - This is drawn from customer ratings of businesses on Google Places and is not date dependent.
You can change the reporting period by clicking the Last week drop-down menu and selecting Last month, 3 months, or 12 months.