Steps.
Go to photophea.
It should look like this.
When done that, click new project.
Should look like this.
Settings
Width: 1280
Height: 720
Background: Transparent
Should look like this.
Click create.
Now you have this.
Press T.
You should go into text mode.
change the color by clicking the colored square at the top.
Change your font by clicking this.
Search or load a font from your PC.
Ok when you got that selected then make a text with the color and size you want.
In my case it’s this.
Click new layer in the bottom right.
Right click layer 1.
Enable clipping mask.
Then right click the text layer, then rasterize it.
Press B to enable brush mode.
Click this arrow that im pointing at with my cursor.
Drag hardness down to 0.
Change size to 137 px.
Should look like this.
In the bottom left corner you can see colors.
Change those to black & white.
Click the small arrows in the left corner until white is first.
Left click layer 1 on the layer tab.
Now that you have it selected.
Slowly drag your mouse over the text with left click like this.
Flip the colors and do the same with the white but with black at the bottom
Like this.
Then you can go above the layer 1 in layer tab and you see Normal. change that to overlay scroll down to find.
It should look like this!
Right click your text on the layers tab. duplicate the layer and move the copy however you’d like.
My result: