Only Tmall is in stages. The stage is that his balance treasure funds are frozen to a certain amount and then paid to your Alipay on a monthly basis.
Credit card installment payment is an installment payment channel provided by Alipay for merchants who open credit card gateway payment in Taobao Market, Taobao Mall (Tmall) and Electrical Appliances City (which does not support poly-cost-effective transactions). At present, fast payment by credit card is adopted.
Banks currently supported: China Bank, Ping An Bank and China Agricultural Bank.
(Note: Credit card installment is not supported for merchants' limited-time discounts and spike activities. )