This difference is very important.
The password of a gallery, set and activated in the gallery settings, is there to protect your gallery from possible unwanted visitors. If it is activated, your client must enter it when calling up the direct link to the respective gallery. Only then are the pictures of this one gallery are visible.
With a client account, however, your client can use a password to access an overview of all galleries that have been activated for them. You can create such access codes in your account settings. There you can also change the client access at any time or add or remove galleries to a client access. The advantage, your client does not need the latest, direct link to a new gallery every time, but logs in with his client access and automatically sees all new images available for him. It is planned that your client will be notified automatically when new galleries are available for him, but it is currently still necessary that you inform him directly.
At the moment we are unfortunately not yet very good at communicating the difference between these two ways directly in the tool. The reason for this is that the client access function is currently not yet final but rather in beta status. We improve it every week based on user feedback and only when we are one hundred percent satisfied with the result will we officially introduce this function.