When selecting a merchant allow "in-text" search. For example if the merchant is "SLS South Beach" allow to search by 'South' and not only with 'starts with'. A similar feature became available in Zoho Books as an option and is of great help! Sometimes credit cards will add a symbol or something before a merchant's name and then searching for the specific merchant is very difficult, therefore duplicates are created. In the above example credit card showe the charge as +SLS South Beach