Yes, you can choose to pay in installments via Baitiao. The specific method is:

1. Open JD.com on your mobile phone and select a product you want to purchase.

2. After confirming the order information, click "Submit Order" in the lower right corner.

3. Select "IOU" in the payment interface and select the length of time for installment payment.

4. After the selection is completed, click "Pay with IOU" below.