01 Custody
Who holds the money when affiliates get paid?
Here is the difference everything else comes from.
Dub's partner terms say Dub "has no obligation to pay any Commission" until the client has paid in full. Then it deposits the money "via Stripe". So the cash goes from you, through Dub, to your partner. Moving other people's money is a real job with real legal weight. The 5% is what pays for it.
AffiliateRail works out who is owed what. Then it logs into your own PayPal or Wise and pays them. The money leaves your account and lands in theirs. It never comes near AffiliateRail. That is why 0% is a fact about the plumbing, not an offer.