Cybergold, a company that pays people who look or shop at certain Internet sites, has entered the micropayments business, letting people buy small-ticket items with the cash rewards they have accumulated.

At least 50 on-line merchants are participating in the fledgling program, which targets purchases of $10 or less that credit card companies are not particularly eager to capture. Among the retailers that have begun accepting Cybergold money are the CDNow music store and Xoom.com, an on-line community Web site with 10.2 million members and a shopping area.

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