The only issue with creating a text and then removing the bg is sometimes you’ll get a ring around the border (especially if you use colored text), and you won’t be able to create text with a nice shadow behind it either.
So what I do, is create a new canvas (anywhere from 1,500-3,000) on ibispaint and save as transparent immediately without drawing anything on it. Then I open Phonto and select that transparent image. A gray squared box will pop up so you can see how big your box is to make your text in. Then you can create your text as you want. Choose the style, change colors, add a shadow etc. Save the transparent png. Upload that to the portal (you might have to compress the image if it’s too big) and you have a text with shadow behind and no rings from a background eraser!
It’s a pretty long and irritating process but it’s the most successful one I’ve been able to come across so far. 