@ cosycom
(1) Yes, COD charges can be shown separately & it is your choice to absorb the amount or to charge reasonable extra COD shipping charges to the buyer.
Normally the COD shipment consists of 2 charges (1) Cash Management Charges which is on a % basis & you are right, for high value items you will have to pay higher cash management charges (2) Freight charges which is on a weight volume basis.
Hence a high value item would not be shipped at Rs 100 charges on COD. An item worth Rs 20k in your example
Besides, PaisaPay COD charges are inclusive of both the above.
By the way, the maximum amount that can be shipped on PaisaPay COD would not be more than Rs 8,000.
(2) Courier companies have to adhere to strict SLAs which will be shared on the site prior to launch.
(3) Buyers from non serviceable locations will not be allowed to purchase any item on PaisaPay COD. The system will automatically block them.