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Honestly, you don't even need NLP for this. Excel supports regex now so you could just do a call like
=REGEXTEST(A1, "(?!)^w.*mart$"). Then just mark by type and graph out to see where your main spending is coming from.You’re missing the point, that would require sitting down and manually doing that for every conceivable payee. Walmart is just an example. The value of any sort of “intelligent” component would be for this to happen automatically and seamlessly for the user. Hell, the AI layer could just be “write regex for al the possible similar payees across these documents”.