#20 I like the way you made the credit card stand out of the green and blue. It looked professional to put the line under interchange and do the round lines around the credit card circle to close it up. Now if you could incorporate an upward arrow similar to one of the other designs without making the logo look too busy, it would look ideal
#37 The word "INTERCHANGE" should be black & bold, "CREDIT SERVICES" should be grey and bold (smaller though) & "CREDIT SERVICES" should be condensed and with a fading grey line on each side similar to entry #61