Not everything extraordinary lives deep in the wilderness. Sometimes it’s glowing quietly in your own backyard. Ghost fungi (Omphalotus nidiformis) — one of Australia’s naturally bioluminescent mushrooms. I Almost Didn’t Go Back Outside A few days earlier, I’d noticed a cluster of mushrooms growing on a stump in the yard. The tree had only recently been cut down to make room for a veggie patch, and these hadn’t been there before. At first glance, they looked like oyster mushrooms, pale, layered, and harmless enough. So I didn’t think much of it. Just another small, earthy detail in the garden. At the time, I had no idea those mushrooms would turn into a real ghost fungi in my backyard experience. I left them alone. A Week Later, I Went Back It took me nearly a week to finally step outside and check them at night. By chance, it happened to be a full moon. The sky was mostly covered in clouds, and the yard sat in that strange kind of dimness where everything softens around the edges. And then I saw them. They were glowing. Not faintly. Not the kind of glow you have to squint to notice. These mushrooms were bright enough that I could spot them from across the yard. They Weren’t Just Mushrooms If you know where to look, and when, even your own backyard can hold a secret glow. Up close, the glow came from the gills underneath, a soft green light that didn’t flicker or pulse. It simply existed, calm and steady in the darkness. Discovering ghost fungi in my backyard felt surreal, especially once the soft green glow appeared after dark. These are ghost fungi - scientifically known as Omphalotus nidiformis. They’re one of Australia’s naturally bioluminescent fungi, producing light through a chemical reaction inside their cells. It’s the sort of thing you expect to see deep in an ancient rainforest, not beside a compost pile in suburbia. And yet, there they were. How Did Ghost Fungi End Up in My Backyard? The stump where they appeared sits close to our compost, in a cool, damp section of the yard that rarely sees direct sunlight. Ghost fungi thrive inside decaying wood as an underground network of mycelium. Sometimes they remain hidden for years before finally producing mushrooms above the surface. The tree itself may already have carried the fungus before it was cut down. Or perhaps spores drifted in later and found ideal growing conditions. Either way, the environment was perfect: Moisture Shelter Decaying wood Time And then, suddenly, the hidden became visible. The Moment Everything Changed In daylight they’re unassuming, just pale mushrooms tucked beneath the mint and mulch. But once night falls, they glow like something remembering its own light. In daylight, they look almost ordinary. Cream-colored caps. Soft layered shelves. Quiet and unassuming. But at night? They feel like something from another world entirely. Same stump. Same fungi. Completely different reality. By day, they hide in plain sight. By night, they light up the garden like a secret finally deciding to be seen. What Makes Ghost Fungi Glow? Bioluminescence happens because of a natural chemical reaction involving oxygen and fungal compounds called luciferins. When these compounds react with enzymes inside the fungus, they emit visible light. Unlike artificial light, the glow feels soft and alive. Scientists still study why fungi evolved this ability, but several theories exist: Possible Reasons for Bioluminescence Theory Explanation Attracting insects Insects may help spread spores Defense mechanism Glow may discourage predators Metabolic byproduct Light may simply result from internal processes Whatever the reason, seeing it firsthand feels almost unreal. Ghost Fungi in Australia Australia is home to several fascinating fungal species, but ghost fungi are among the most striking. They’re commonly found in: Damp forests Decaying logs Tree stumps Humid environments after rainfall The best time to spot them is usually after wet weather when temperatures are mild and moisture levels remain high. Importantly, while beautiful, ghost fungi are toxic and should never be eaten. A Quiet Kind of Magic In daylight, the ghost fungi lose their glow, but not their quiet beauty. A reminder that some of nature’s magic doesn’t disappear in the light, it simply changes form. Finding ghost fungi in my backyard changed the way I look at ordinary spaces and small moments in nature. It’s easy to imagine experiences like this only happen far away, somewhere deep in untouched wilderness. But sometimes nature waits quietly in familiar places. In your backyard. Beside your compost. Hidden in plain sight until the conditions are right and you finally stop long enough to notice. That’s what stayed with me most. Not the glow itself, but the reminder that wonder doesn’t always arrive dramatically. Sometimes it’s already there. Waiting. Bringing a Little of That Feeling Home I don’t sell ghost fungi, but moments like this are exactly why I’m drawn to moss, terrariums, and miniature ecosystems. There’s something calming about keeping a small piece of the living world nearby. Tiny landscapes that ask for patience instead of attention. Terrariums, moss gardens, and natural displays create the same feeling these mushrooms gave me that night: Quiet fascination. A reminder that life is constantly unfolding around us, even when we aren’t looking closely. Tips for Spotting Bioluminescent Fungi Yourself While my first encounter with ghost fungi in my backyard was unforgettable, they can also be found growing on fallen logs, tree stumps, and living trees in the right conditions, like these specimens spotted beside a local road. If you’d like to experience glowing fungi firsthand, here are a few things that help: Look After Rain Moisture encourages fungal growth and increases the chance of spotting healthy mushrooms. Search Decaying Wood Ghost fungi typically grow on dead or dying wood, especially eucalyptus stumps and fallen logs. Go Out Late The darker the environment, the more dramatic the glow appears. Let Your Eyes Adjust Avoid bright phone screens or torches for a few minutes so your vision adapts naturally. These ghost fungi were growing on a tree beside the road. In daylight they appear quite ordinary, but after dark they can reveal the same eerie green glow that makes this species so remarkable. Frequently Asked Questions Are ghost fungi dangerous? Yes. Ghost fungi are toxic and should never be consumed, even if they resemble edible mushrooms. Why do ghost fungi glow green? Their glow comes from a bioluminescent chemical reaction occurring inside fungal cells. Can ghost fungi grow in home gardens? Yes, especially in damp areas with decaying wood and shaded conditions. How bright are bioluminescent mushrooms? Some species glow faintly, but ghost fungi can be surprisingly visible in complete darkness. When is the best time to see ghost fungi? Usually after rain during humid conditions, especially in autumn and winter. Do all glowing mushrooms look the same? No. Different bioluminescent fungi vary in shape, size, color, and glow intensity. Final Thoughts What began as a simple garden observation became an unforgettable ghost fungi in my backyard encounter. Now, every fallen log, damp corner, or shaded patch of soil feels like it could be hiding something unseen. Not everything extraordinary announces itself loudly. Sometimes it glows quietly in the dark.

The Forest Does Not Work in Singles In the forest, nothing truly exists on its own. What appears solitary is almost always connected to something unseen. The Amanita family of mushrooms, one of the most recognisable and dangerous groups in nature, is often solitary but connected to unseen forces. A single mushroom, like a red cap emerging from leaf litter or a pale dome beside moss, is only a brief surface expression of a much older and more complex underground network. Fungi spread outward in vast, branching networks that weave through soil, leaf litter, and root systems, forming long-term partnerships with trees and plants. Nutrients, water, and signals are exchanged between species. Danger rarely arrives announced. In forests, as in life, it often appears woven quietly into everything around it. Above ground, we notice a momentary structure built to release spores, a punctuation mark in a longer sentence. Mushrooms are not individuals; they are outcomes that appear when conditions align, allowing the underground system to briefly surface. They are less objects and more messages, proof of an extensive and alive process happening beneath our feet. Fly agarics and death caps illustrate this truth. Their differences above ground may seem dramatic, but below ground, they are part of the same slow, interconnected conversation the forest has been carrying on for centuries. Amanita Mushrooms: Beautiful, and Sometimes Deadly Not all Amanita mushrooms are deadly, but enough of them are to make the entire family one of the most feared in the world. Unremarkable at a glance, the death cap hides one of nature’s most lethal chemistries beneath its calm surface. Proof that danger in the forest rarely looks dramatic. What makes them especially dangerous isn’t just toxicity, it’s how ordinary they can appear. A pale cap, a quiet presence among leaf litter, nothing that immediately signals danger unless you know exactly what you’re looking at. In the most toxic species, the damage happens slowly and silently. Symptoms may take hours to appear, by which point the toxins have already begun affecting the liver. In Australia, several Amanita species grow in the wild, including highly dangerous varieties. Foragers are often warned to avoid this family entirely unless identification is absolute. Because in this part of the forest, beauty is not a sign of safety. Sometimes, it’s a warning. What Are Amanita Mushrooms? (One Family, Many Reputations) Despite their wildly different reputations, fly agarics and death caps belong to the same fungal family, the Amanita genus. In the same woods where bright fly agarics glow, the quiet danger of the death cap rises from the leaf litter. This family includes some of the most visually striking mushrooms in the world, as well as some of the most dangerous. The contrast can feel jarring, but it’s also revealing. Beauty and lethality are not opposites in nature. They are traits that can coexist, sometimes within the same lineage, sometimes within the same patch of forest. In some places, mushrooms from the Amanita family emerge within metres of one another, sharing soil, tree partners, and underground networks. What separates them above ground is not intent or morality, but timing, chemistry, and chance. The forest does not organise itself around human comfort or storytelling instincts. It does not label things as safe because they are beautiful, or dangerous because they are plain. It allows both enchantment and hazard to exist, supported by the same ancient systems beneath the ground. Understanding this requires letting go of the idea that nature owes us clarity. Often, it offers only relationship and consequence. Fly Agaric: The Mushroom of Stories Brilliant and dangerous, the fly agaric glows like a warning in the leaf litter, beauty and caution intertwined beneath the trees. Fly agaric, Amanita muscaria, hardly needs an introduction. Its red cap and white flecks have become shorthand for magic, folklore, and fairy tales. It appears in illustrations, holiday decorations, and children’s books as a symbol of wonder and otherworldliness. That reputation didn’t appear by accident. For thousands of years, cultures noticed that fly agaric altered perception. Those effects were woven into spiritual practices, myths, and stories of encounters with spirits and other realms. Over time, those stories softened into symbolism, and the mushroom itself became a visual shorthand for magic rather than a record of risk. What often gets lost in that transformation is the reality behind the myth. Altered perception comes from chemistry, not benevolence. Fly agaric is toxic. It is not edible, not safe, and not a food mushroom under any circumstances. Its effects on the human body are unpredictable and can be severe, which is why modern guidance is unequivocal: this is a mushroom to admire, not to ingest. The chemistry behind fly agaric’s folklore reputation comes from two compounds: ibotenic acid and muscimol. These toxins act on the nervous system, altering perception, coordination, and consciousness in unpredictable ways. Their effects can range from nausea and confusion to vivid distortions of reality, which is why fly agaric has long been tied to stories of visions and altered states. But those experiences are not mystical gifts, they are the result of neuroactive chemistry, and they carry real risk. Fly agaric may look like a symbol from a fairy tale, but its toxins make it a mushroom to observe, not to consume. Its place in folklore reflects human fascination with altered states and mystery, not safety or suitability for consumption. Fly agaric is a mushroom that invites stories, not eating. Death Cap: Quiet, Plain, and Unforgiving The death cap is one of the world’s most toxic mushrooms. Its pale, unremarkable appearance hides a lethal chemistry. Death caps, Amanita phalloides, sit at the other end of the cultural spectrum. There is nothing flamboyant about them. Their caps are pale, their form understated, their presence easy to miss. They do not announce themselves the way fly agarics do, and that subtlety is part of what makes them so dangerous. Death caps are responsible for the majority of fatal mushroom poisonings worldwide. Their toxins act slowly, often allowing symptoms to fade before severe organ damage becomes apparent. By the time the danger is obvious, it is often too late. The danger of the death cap lies in amatoxins, especially α‑amanitin, one of the most lethal natural compounds known. Unlike the fast‑acting effects of many poisonous species, amatoxins work slowly and quietly, targeting the liver and kidneys long before symptoms become severe. By the time illness is obvious, the damage is often already underway. This is what makes the death cap so unforgiving: its chemistry is lethal, its appearance unremarkable, and its warning signs delayed. It is a mushroom defined not by drama, but by consequence. There are no fairy tales here. No softened symbolism. Just consequence. And yet, they are part of the same family. Same Roots, Different Warnings It’s tempting to frame fly agarics and death caps as opposites, but that framing misses the deeper point. They are not opposites. They are relatives. Both species belong to the Amanita genus and participate in the same kind of ecological work. In many forests, they occupy overlapping territories, drawing sustenance from the same soil layers and forming partnerships with the same tree species, particularly oaks. What differentiates them above ground is not their role in the ecosystem, but their chemistry and timing. Below the surface, these fungi exist as mycelial networks that entwine with tree roots in ectomycorrhizal relationships. Through these connections, fungi and trees exchange resources. The fungus extends the tree’s reach into the soil, improving access to water and minerals, while the tree supplies the fungus with carbohydrates produced through photosynthesis. This exchange supports both partners and contributes to the stability of the forest as a whole. The systems that sustain fly agarics also sustain death caps. The forest does not distinguish between what humans find enchanting and what we find dangerous. It does not elevate beauty or suppress risk. It grows what conditions allow, when conditions allow it, guided by ecological balance rather than human values. The warnings, then, do not come from the forest itself. They arise from how we interact with it, from our tendency to read meaning into appearances and assume intention where there is only function. Oaks and Amanitas: An Underground Partnership Many Amanita species, including fly agarics and death caps, form ectomycorrhizal relationships with oak trees. These relationships are not incidental. Oaks are long-lived, deep-rooted trees that invest heavily in underground partnerships, making them ideal hosts for fungi that rely on stable, continuous access to carbohydrates. The diagram illustrates the symbiotic relationship between an oak tree and the Fly Agaric and Death Cap mushrooms. They exchange nutrients through active underground mycorrhizal networks, which is highly beneficial for both parties. Through this partnership, fungal mycelium wraps around the fine root tips of the oak, extending far beyond what the tree’s roots could reach alone. This dramatically increases the tree’s access to water and essential nutrients such as nitrogen and phosphorus. In return, the oak supplies the fungus with sugars produced through photosynthesis. Because both partners depend on one another, Amanitas are often associated with mature or well-established woodlands rather than recently disturbed ground. Their presence can reflect long-term ecological continuity, even when the forest above ground appears quiet or unchanged. Seen this way, fly agarics and death caps are not intruders or anomalies. They are participants in an ongoing exchange that supports the forest as a whole. What Fungi Ask of Us The Shaggy Mane (Coprinus comatus) turns to black ink as it ages, carrying its spores onward. Fungi often ask for something humans struggle with most: patience with change.Fungi have a way of enforcing boundaries without signage. They do not rely on visual cues, moral lessons, or clear categories. Instead, they require attentiveness. To understand fungi is to understand relationships, not just forms. It means learning which species associate with which trees, what kinds of soil they prefer, how seasons and moisture influence their emergence, and what roles they play beyond their visible structures. This is where fungi quietly challenge human habits of assumption. Admiration does not equal permission. Familiarity does not equal safety. A mushroom’s appearance tells us very little without context. Fly agarics teach restraint through allure. Their striking colour and long cultural history invite fascination, but their chemistry demands caution. Death caps teach restraint through severity. Their understated appearance offers no spectacle, yet their consequences are profound. Fungi are often signs of connection rather than isolation, linked to decay, renewal, and the hidden relationships that keep forests alive. Both insist on the same lesson, delivered in different tones: observation must come before interaction. Fungi are often signs of connection rather than isolation, linked to decay, renewal, and the hidden relationships that keep forests alive. Some organisms are not meant to be consumed, collected, or tested. They are meant to be understood within the systems that produced them. In many ways, fungi ask us to participate differently in the natural world. Rather than taking, they encourage us to notice. Rather than seeking ownership, they reward patience. A mushroom may emerge for only a few days, yet the organism behind it may have been present for years, quietly woven through soil, roots, and fallen wood beyond our sight. Perhaps that is why fungi continue to captivate so many people. They remind us that understanding is not always the same as possession. Sometimes the most meaningful interaction is simply to pause, observe, and leave something exactly where it belongs. In a world that often encourages us to collect, consume, and categorise, fungi offer a gentler lesson: not everything exists for us. Some things exist alongside us, and that is enough. Looking Beneath the Surface When we focus only on what rises above ground, we miss the larger story. The visible mushroom is a temporary structure, produced to release spores when conditions are right. It may last days or weeks before collapsing back into the forest floor. The organism itself, the mycelium, persists unseen, threading through soil and root systems, sometimes across vast areas. The fungi are brief appearances; the real work happens below, where the mycelium connects through soil and roots. These underground networks move nutrients, redistribute resources, and contribute to the resilience of forests over time. In oak woodlands especially, ectomycorrhizal fungi play a crucial role in tree health, helping mature trees withstand stress, drought, and poor soil conditions. What appears above ground is only the briefest evidence of this long-term cooperation. Because ectomycorrhizal fungi depend on living trees, their presence often reflects the long-term continuity of a forest, not recent disturbance. Fly agarics and death caps, for all their surface differences, point back to this truth. They are not isolated wonders or singular threats. They are expressions of a living system built on exchange, balance, and endurance. The forest is not a collection of individual marvels. It is a web of relationships, consequences, and quiet rules that do not bend to aesthetics, symbolism, or stories. And perhaps that is where its real magic lies, not in what dazzles the eye, but in what continues unseen, season after season, beneath our feet.

Grass demands control. Moss invites belonging. The Eternal Lawn Showdown For centuries, grass has dominated the suburban dream. But in the quiet corners of the garden, moss has been waiting. In this moss vs grass lawn showdown, we’re looking at which one truly earns its place. Perfect lines. Perfect stripes. Perfect obedience. The tidy green carpet, clipped to regulation height, framed by concrete and compliance. A lawn you can measure. A lawn you can control. It is the botanical equivalent of ironing your socks. And then there’s moss. Soft. Quiet. Ancient. Completely uninterested in being mowed. Moss does not care about straight edges. It does not respond to stripes. It creeps gently between stones, settles into shadow, and turns forgotten corners into something almost sacred. While grass shouts “maintenance,” moss whispers “presence.” One is a product of landscaping culture. The other is a relic of deep time, older than trees, older than flowers, older than lawns themselves. So, which one actually deserves your yard space? Let’s have a civilised botanical duel. Round One: Water Wars Two kinds of green. Two very different philosophies. Grass is thirsty. Not “a gentle sip at dawn” thirsty. More like “irrigation system, please” thirsty. Traditional turf lawns often require regular watering, especially in hot Australian summers. Moss, on the other hand, does not have vascular tissue. That means it has no internal plumbing system like grass does. Instead, it absorbs water directly through its leaves. When it rains, moss drinks. When it dries, it simply rests. It can survive desiccation and rehydrate when moisture returns. Grass demands a hose. Moss waits for the weather. Winner: Moss. Round Two: The Mowing Madness Grass grows upward. Constantly. Enthusiastically. Aggressively. Which means mowing. Edging. Fuel. Noise. Weekend rituals of mechanical violence. Moss does not need mowing. Ever. It grows low, like a green hush over the earth. No blades. No seed heads. No pollen clouds trying to ruin your sinuses. Grass asks for labour. Moss offers stillness. Winner: Moss again. Round Three: Environmental Impact Moss absorbs and holds moisture directly through its leaves, helping regulate water and protect soil. Grass lawns are surprisingly high-maintenance ecosystems. They often rely on fertilisers, herbicides, and irrigation. In many parts of the world, traditional turf lawns contribute to water waste and chemical runoff. Moss naturally helps with: • Moisture retention • Soil stabilisation • Reducing erosion • Supporting micro-ecosystems • Absorbing pollutants from the air Certain mosses are even used in environmental monitoring because they absorb airborne particles. They are quiet little bioindicators. Grass decorates. Moss participates. Winner: Moss, quietly saving the planet. Round Four: Sunlight Drama Grass needs a field. Moss only needs a crack. Grass loves sun. Full sun. Bright, open, non-negotiable sun. Moss thrives in shade. Under trees. Along pathways. Between stones. In those awkward damp corners where grass sulks and dies. If your yard has heavy shade, moss is not a compromise. It is the correct plant. Grass performs best on a stage. Moss performs in the understory. Winner: Depends on your yard. But moss wins most of the difficult spaces. Round Five: Texture & Vibe Grass feels like… grass. Moss feels like a forest floor. Like walking on a memory. Like something ancient and gentle. It softens stone. It makes ruins poetic. It turns cracks into fairy-worthy corridors. If lawns are about control, moss is about atmosphere. And atmosphere wins every time. But Is Moss a Perfect Replacement? Here’s where we stay honest. Moss prefers consistent moisture. It does not love heavy foot traffic. It thrives in acidic soil and shade. If you have a blazing, dry, north-facing expanse with kids playing backyard cricket daily, moss may struggle. Grass tolerates trampling better. It recovers faster in high-traffic areas. Moss is not trying to be a sports field. It is trying to be a sanctuary. The Real Question The lawn showdown is not really about plants. It’s about what you want your outdoor space to feel like. Do you want symmetry and stripes? Or do you want softness and quiet? Do you want something that demands constant shaping? Or something that settles, slowly, into place? Moss has been here for over 400 million years. It survived mass extinctions. It does not need to impress anyone. It just grows where it belongs. And perhaps that’s the real victory.

Discover Of Forest & Fog's tiny forest kits, guides, and sustainable home décor solutions crafted to create serene green spaces About Of Forest & Fog Nestled in the lush heart of East Gippsland, Of Forest & Fog is a small creative studio devoted to moss, terrariums, and the quiet beauty of the natural world. Each piece is foraged, crafted, or curated by hand, a meeting of patience, soil, and imagination. We believe in slowing down, treading lightly, and finding wonder in the small, green things that thrive in the shade. Our Collections Browse our collection of sustainably foraged live moss, each variety chosen to bring the forest floor into your home. The Mossy Market Shop Moss Craft your own miniature forest with our complete terrarium kits Miniature Forest Terrarium Kits SHOP KITS Nature-inspired prints and gifts from the wilds of East Gippsland. Forest & Fog Prints + Gifts Shop Gifts Glass jars, bottled terrarium treasures, and preserved botanicals ready to display or gift. Bottled Botanica Explore Glassware Whimsical accessories, fairy garden accents, and playful décor pieces to enchant your terrariums. The Gnome Depot SHOP ACCESSORIES A quiet corner of the forest where stories gather like dew on soft green moss. Moss Library READ MORE The Forest Blog The Night My Backyard Started Glowing: A Real Ghost Fungi Encounter What began as an ordinary cluster of mushrooms on a backyard tree stump became an unforgettable encounter with Australia’s glowing ghost fungi. A story about bioluminescence, curiosity, and the quiet magic hidden in everyday places. The Amanita Family: Same Roots, Different Warnings (A Guide to Amanita Mushrooms) What looks solitary in the forest is often connected to something unseen. Journey into the Amanita mushroom family, where beauty, danger, and hidden relationships intertwine beneath the leaf litter. Moss vs Grass Lawn: The Eternal Lawn Showdown Grass demands mowing, watering, and control. Moss doesn’t. In this moss vs grass lawn comparison, we explore a softer, low-maintenance alternative that works with your garden, not against it. When the Terrarium Started Drawing on the Glass Sometimes a terrarium doesn’t fail, it evolves. Mine started sketching lines across the glass. The culprit wasn’t mould but slime mould. Moss: The Introvert Plant That Outlived Dinosaurs Moss outlived dinosaurs, clones itself, and thrives with zero effort. The introvert plant proving green fluff is anything but ordinary. The Quietest Garden: A Reflection on Moss and Miniature Worlds In a world rushing toward louder and faster, moss offers a counter-spell - soft, resilient, and impossibly intricate. Beneath our feet and inside tiny glass gardens, it weaves stories of time, care, and quiet enchantment. From Ribbed Bog Moss to Shiny Feather Moss, each species carries the whisper of forests and the hush of possibility. Whether foraging with intention or crafting miniature sanctuaries, we step gently into nature’s most patient art form, where green becomes a Sign up for updates Follow Ask a Question Privacy Policy ▪️ Refunds and Returns ▪️ Accessibility Statement ▪️ About Afterpay ▪️ Terms of Service

Gift the magic of choice with our enchanting eGift cards. Choose your amount, personalize a message, and share a spellbinding gift with someone special. Fog & Fern Gift Card $25 Gift Amount $25 $50 $100 $150 $200 Set Your Amount How Many Cards? ADD TO BASKET CONTINUE TO CHECKOUT

Learn how Afterpay works with Of Forest & Fog. Flexible, interest-free payments available at checkout. Responsible spending info and terms included. Shop now, pay it in 4 with Afterpay. At Of Forest & Fog, you can buy now and pay it in 4 interest-free instalments over 6 weeks. Afterpay is a buy now, pay later platform that lets you pay for your items in 4 instalments over 6 weeks, interest free. Easy to apply. Simple and easy to join. Set up an account in minutes. Credit checks apply. Spend limits are dynamic and start low. Once approved, enjoy your dynamic spending limit. We start new customers at a lower spend limit and may increase it gradually over time. It’s easy to manage your account in the app. Track your payments, check available spend limits, and make early payments in the Afterpay App. When you use Afterpay, you pay for your items in 4 instalments over 6 weeks, without incurring any interest. To use Afterpay, add items to your shopping cart then select Afterpay from the available payment options. You pay for the first instalment of 25% at the time of purchase, and the remaining three instalments will be automatically deducted from your nominated debit or credit card over the following six weeks. To set up an Afterpay account you’ll need to: Live in Australia or New Zealand Be over 18 years of age Have an Australian/New Zealand debit or credit card Have a valid and verifiable email address and mobile number Have a valid and verifiable email address and mobile number Be capable of entering into a legally binding contract Credit checks apply For full terms and conditions visit www.afterpay.com/terms . Afterpay caps late fees to help keep costs manageable for customers who miss a payment. Late fees will never exceed 25% of the order total or $68 per order, whichever is lower. How this works: For orders under $40: A one-time late fee of up to 25% of the order total applies For orders of $40 or more: A $10 late fee is charged when a payment is missed. If the outstanding amount remains unpaid after seven days, an additional $7 late fee applies . This is the same for all late payments until the 25% cap or $68 amount is reached. To remain within the cap, we may charge partial amounts of the $10 and $7 fees. You can check your General Terms for other late fees caps that may apply. Afterpay is committed to doing everything they can to help you not miss a payment, including sending you payment reminders and offering options to reschedule upcoming payment dates. Afterpay is designed to be completely different to traditional credit products that charge interest, so that customers are never in a situation of high compounding interest and revolving debt. Is Afterpay accepted in-store and online? Afterpay can be used online and in stores, depending on the retailer or service. To shop in-store, you’ll need to download the Afterpay app and set up the Afterpay Card. You can add it to your digital wallet via the ‘In-store tab’ in the app. Then when you’re shopping in-store, just tap to pay with Apple Pay, Google Pay or Samsung Pay. To shop online, select Afterpay as your payment method at the checkout. You’ll be redirected to Afterpay to login or create your account. Is Afterpay safe to use? Afterpay has been built with a range of security features and services to help keep your accounts secure, including monitoring transactions to identify fraudulent trends and behaviours, multi-factor authentication, and encryption to protect your information. You can find out more on at Afterpay’s safety and security page. What happens if I require a refund and paid using Afterpay? Items purchased with Afterpay can be returned for an exchange or refund, subject to Of Forest & Fog’s Returns Policy . Returns or refunds will be processed and Afterpay will be advised. Your payment plan will then be adjusted to reflect the new total order value. If you have already made a payment, this will be refunded to you via Afterpay. Where can I find out more about Afterpay? To find out more, visit the Afterpay website .