POS transaction has several elements: issuer, acquirer, merchant, clearing institution and cardholder. \x0d\ If the acquiring bank of the POS installed by the merchant is China Merchants Bank (that is, the POS installed by the merchant), then this merchant is a special merchant of China Merchants Bank. Special merchants of China Merchants Bank can accept the consumption of other bank cards. \x0d\ Therefore, the special merchants have nothing to do with whether they can pay by installment. \x0d\\x0d\ Now, some banks offer the business of purchasing certain goods in installments as long as they pay extra handling fees, which is a value-added business of credit cards and has nothing to do with special merchants. \ x0d \ x0d \ There are also some banks that choose some merchants to provide preferential services to some cardholders of the bank. This kind of merchants is called "preferential merchants", which is different from the concept of special merchants.