That doesn’t equal the math in her story. She said he kept $100 to cover the cost of the form and she would have to get the rest from the processor that referred her, $200. $100 + $200 = $300 not $600.
My guess is she paid him $300 up front with the expectation of paying the balance when she picked it up, so she only paid $300 out of pocket.....he told her he was keeping $100 to cover the form he had to buy and she could get the $200 balance (from her original $300 deposit) from the processor that referred her