I'm afraid that you're looking for something that doesn't exist, and maybe can't exist. There are certainly hundreds and possibly thousands of payment gateways out there each with their own idiosyncrasies.
There is a general structure for Zen Cart payment modules which is outlined in the Wiki entry I referenced earlier. But a 1.2.3 guide that went beyond this would either be so general as to not really tell you very much, or if it tried to deal with the complexities introduced by different gateway APIs would be overwhelmingly complex.
On those rare occasions that I've written payment modules (not a favorite job) I just focus on the specifics of the one in front of me and concentrate on mapping their API (usually well described in their documentation) to Zen Cart's payment mod structure (outlined in the Wiki).




