A hyper-realistic image of an attractive Caucasian man with striking dark burst-taper hair and a meticulously groomed short beard, exuding an aura of professionalism. He is dressed smartly in a tailored navy-blue dress shirt paired with sleek black cotton trousers. The scene is set in an upscale, contemporary restaurant, illuminated by the soft, ambient glow of evening lights. The man is gracefully extending a VISA credit card to settle the bill. In the softly blurred background, exquisite decor elements and softly clinking glasses add to the ambience. The image captures the essence of modern elegance and refined style.