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Please forgive the mess it was the only logic I could think of after quite a long time thinking. Also my brain is apparently too small to work out why AND/OR seem to be flipped in filters when dealing with multiple negative statements. I only realised that at the very end.
Here's my solution. Thought about this one for a while, and decided to use a revised methodology (i.e., a customer has to start at one merchant and go to another merchant in order to count toward the total output). This is a pretty confusing challenge.
I don't think Alteryx has a way of creating a table of tables or a 3 dimensional array, so I dummied one up. Seems to have worked okay. It is the same answer as the solution, but in a slightly different order.