1- cod - (cash on delivery)
2- check delivery location (zipcode/pin code)
3- store pickup (omni channel)
If you implement above three suggestion, then you will be at top.
N.b- most consumer/user will never go through pay first option. (Online pay first)
Delivery to all locality isn't possible, & users don't having option to check whether item/service is available at their location/locality.
If you implement store pick up then
It will be win to win situation for both buyer & seller.