In Frontend

Once you apply the configuration settings for Razorpay, go to the frontend of your Magento 2 store. Add an item to the cart and proceed to checkout. You can see Razorpay is enabled in the frontend.

When you click on place order, it will redirect you to the Razorpay payment page, where you are asked to enter payment details.

Once you fill up the details, it will open a pop-up to enter OTP and confirm the payment.

Once you submit OTP, your payment is successful and you are redirected back to Magento.