Three terms, two meanings
Rated capacity and safe working load describe the same thing: the greatest mass a unit may lift. That includes everything hanging from it – workpiece, gripper, spreader beam and slings. The net payload is the part left over for the workpiece.
Confusing the two is the most common mistake in enquiries. Anyone who wants to lift a 100 kg component and orders a unit with a 100 kg rated capacity has forgotten the gripper. The calculation is always: net payload equals rated capacity minus the dead weight of the load handling attachment.