In the group we select the text layer and open the blending options by right-clicking.Next step is to group the text layer with the white layer, we cam hit Ctrl-G or Cmd G on a mac, or use the menu Layer, group layers.We color the text black, and put in central in the frame with Ctrl-A, selecting align vertical and horizontal to the center, Ctrl-D to deselect.Next step is to add the text we want to put on top of the image, I select the text too and start typing your message, the text that goes on the picture.Next, New layer, Fill that layer with white, Set the transparency to around 60-70.In Photoshop, we start by opening a new project, Select and add a background picture Or we start by opening an existing picture (here I will use an HDR picture).If you prefer to read rather instead of watching the video, here are the different steps to take to create this transparent effect.