01 Custody
Who holds the money when affiliates get paid?
Here is the difference everything else comes from.
Reditus runs two routes. On the manual one, its help centre says "the actual payment happens between you and the affiliate directly" and "Reditus does not move the money". You pay each affiliate by PayPal and mark it paid. On the automated one, Reditus charges your card or sends an invoice, adds "a fee to cover banking costs", and pays your affiliates itself. That fee is 5% by card or 2% by invoice.
So with Reditus you choose: do the work, or pay a cut. AffiliateRail works out who is owed what, then logs into your own PayPal or Wise and pays them on a schedule. The money leaves your account and lands in theirs. It never comes near AffiliateRail. Automated, and 0%, at the same time.