Hi Alicia,
Photo downloads are included in the price of the Memory Maker package.
While you're at Walt Disney World, you'll encounter photographers in many locations throughout the parks, at some dining locations, and on some rides. Downloads of all of the photos taken in these situations are included in the price of your Memory Maker. You can also get photo prints made and mailed to you directly from Disney, but this is an additional charge, which is quite high.
Photos are added to your MyDisneyExperience within a few hours after they're taken, so you can look at them even while you're on your vacation. Once they're in your account, you can download the photos at any time. The downloads are included in the price. You can do almost anything you want with your downloads, including printing them yourself or having them printed by a photo service. I typically have my Memory Maker photo downloads printed through Shutterfly for about 10 cents per print - MUCH cheaper than the $15.00 per print that Disney charges.
When taking pictures, you'll ask the the in-park photographers to scan your MagicBand to link your picture with your account. For the ride photos, you don't have to do anything other than wear your MagicBand. The linking happens automatically via RFID technology. I don't fully understand how it works, but it has been extremely cool to see my ride photos appear in my account automatically.
Please let us know if you have additional questions. We're happy to help.