Another formula approach is to put each qualifier in row 1. For instance, if your cells are in column B, then in C1 put "payment" (without quotes), and in cell C2 put this formula (which is not case sensitive)
=SUM(LEN(B2)-LEN(SUBSTITUTE(UPPER(B2),UPPER(C$1),"")))/LEN(C$1)
Then copy down.
Now if the key term appears in column B, each cell in column C will have a 1, otherwise 0.
Then put another key term in D1, and use this formula (you can just drag to the right as far as needed and down as far as needed, the formula automaticlaly adjusts).
Then you can sort based on Column C, then D, then E, etc.