New page loading instead of the one I want while rendering in django

This is my views.py:

def payment(request):
    if request.user.is_authenticated:
        customer=request.user.customer
        order, created=Order.objects.get_or_create(customer=customer, complete=False)
        items=order.orderitem_set.all()
        shippingddress=ShippingAddress.objects.filter(customer=customer)
    
        context={
            'items':items,
            'order':order,
            'ship':shippingddress
        }

        param_dict = {
                "requestType"   : "Payment",
                'MID': 'abcd',
           }
        param_dict['CHECKSUMHASH'] = Checksum.generate_checksum(param_dict, MERCHANT_KEY)
        return render(request, 'paytm.html', {'param_dict': param_dict,})

    return render(request,"payment.html",context)

and this is my urls.py:

path("payment/",views.payment,name="payment"),

Whenever I write localhost/payment instead of opening the payment html page it takes me to paytm.html(the action url):

<form action="https://securegw-stage.paytm.in/theia/api/v1/initiateTransaction?mid=TzoyBB65679567960126'&orderId='{{order.id}}'" method="post" name="paytm">
        
        {% for key,value in param_dict.items %}
    <input type="hidden" name="{{key}}" value="{{value}}">
    {% endfor %}
    </form>

What I want is that on opening localhost/payment it should open /payment page only and in that payment page when someone clicks on continue button then paytm.html should open but this is not working currently. Please help me.