Except for genes on the sex chromosomes, genes come in pairs. One gene is inherited from the mother and one from the father.
Heterozygous means an unmatched pair of genes, usually one normal and one mutant. Homozygous means a matched pair, usually two mutant.
If there is a chance that a baby inherited a copy of the albino gene from one of it's parents the seller gives the chance that it's heterozygous. In reality, it either is heterozygous or it isn't, but the % tells you how likely it is that it is heterozygous since we can't tell for sure without breeding it.
So a 100% heterozygous is for sure heterozygous and has one copy of the albino gene (since it's recessive it takes two copies to be albino). It can produce some albino babies when bred to another animal that is at least heterozygous or is homozygous for albino.