Maybe this looks like.. being auto-filled since the name of the merchant is automatically recognized? As an organization we decided to make this field more of a category than a vendor. Like "restaurant" for example, rather than Chick-fil-A. With the amount of card holders we have it would add an immense amount of vendors to our database, let alone add data entry efforts to our staff than we want them to worry about. Or maybe this could be a field left for our accounting staff enter, since we understand best how our database is organized and are more experienced with entering vendors.