SPOILER
Posting a potential solution to this use case.
The original requirements were asking if a unique UserID has any likelihood of visiting other stores, which would beg the question of which UserIDs were visiting two or more merchant. As such, I have filtered out instances where the Merchant1 field were null because this would be irrelevant to answering the original business question, unless we were examining two distinct populations: 1) those who only visit a singular merchant, and 2) those who visit two or more merchants.
Attaching workflow and diagram to help explain the steps I took. Hopefully it helps!