My questions are first how do you block it without using exact match or stop words since I can cover 10% of the stop words?
And how do Google charge you for these unrelated search? (there are some keywords with different bidding on my campaign that might trigger this...)
how do you block it without using exact match or stop words since I can cover 10% of the stop words?
The two primary methods are to limit your bidding only to exact and phrase match, or to continue bidding on broad but aggressively expand your negative keyword list.
And how do Google charge you for these unrelated search?
It's tied to the most related keyword (based on Google's standards). Do you track your individual keyword performance in your logs? If so, you can quite easily tie the keyword to the query.