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A detailed infographic illustrating the payment gateway process from checkout to settlement. In the foreground, depict a digital checkout interface on a sleek laptop with a shopping cart icon. In the middle layer, show a flow of data represented by glowing arrows moving from the laptop to a secure payment server, highlighting steps like authentication and transaction processing. In the background, illustrate a bank building and a merchant storefront to signify involved parties. The scene is well-lit with a professional ambiance, using a soft focus in the background and crisp details in the foreground, creating a sense of clarity and modern technology. Aim for a photorealistic style to enhance the technical nature of the illustration, ensuring all elements flow harmoniously together without any text or branding.