T-Shirts Design

I was actually going to be lazy and get it done on a website, but having trouble with the background being transparent on the shirt designer.
 
I thought saving as a .jpg automatically fills the background with black or white? Thus when it's printed the black background will be noticeable on the black fabric, where as if it's transparent the t-shirt IS the black background.

Not a clue, just checking out some sites now.
 
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