GERMANO60  With Mac OS X, you can create text with background image with any word processing application you like, then all you have to do is "Print" ->PDF file.

Embedded, free, fully working. Sincerely, I don't see any reason why to pay for something that my operating system already does by itself with the most flexibility.  
(Version 9.1)

JIMW  Perhaps, But I can add it to my printed PDF file with PDFpen from Smile Smile software for $30 when I need such a feature. Additionally PDFpen allows me to edit PDF files.   
(Version 7.5)

SANFACE SOFTWARE  With txt2pdf you can a nice background (e.g. an invoice) and put the text over it.  
(Version 7.3)

153957  indeed..

just open a file with TextEdit or any other app, select Print and choose 'Save as PDF...' easy as that  
(Version 7.3)

JIMW  All that is said is true, but the "Print" command can also be scripted to print to a PDF file, can it not?  
(Version 7.2)

ANONYMOUS  Gee, charging for for something that is basically built in for free into OSX. Well what would you expect from a Perl developer.  
(Version 7.1)

SANFACE SOFTWARE  Pay attention: txt2pdf is a server batch tool. You can put it inside your scripts, inside a web application, after every other tool that create a textual report.  
(Version 7.0)

ANONYMOUS  $105 this is ridiculous. Print2PDF in OS 9. OS X can write PDF. Indesign or Illustrator too. PDF Shrink is pretty good. Acrobat is the best.  
(Version 6.7)

ANONYMOUS  Works great, and without a hitch across 3 different Unix platforms. Worth the price if you need such a tool.   
(Version 6.5)