📱 A 99398 text message appearing on your phone can be confusing, especially if you’re not sure who sent it. You might wonder if it’s a scam, a wrong number, or something you actually signed up for. The good news is that 99398 is a legitimate short code with a specific owner. However, the context of the message matters a lot when deciding how to respond.
This guide will explain who uses the 99398 short code, why you might be receiving these messages and how to tell the difference between a legitimate notification and a potential security threat. By the end, you’ll know exactly what to do.
📌 What Is the 99398 Short Code?
A short code is a five- or six-digit number that organizations use to send high-volume text messages. Unlike personal phone numbers, short codes are registered and regulated for business use. The 99398 short code belongs to Klarna, the popular buy-now-pay-later service and shopping app.
Klarna uses this code to send transactional and security-related messages to its users. These aren’t promotional texts. Instead, they’re essential communications that help you use the service securely.
🔐 Why You’re Getting Messages from 99398
If you’re receiving texts from 99398, there are several possible explanations. Understanding the context is key to knowing whether to act.
You Requested a Verification Code
The most common reason for a 99398 message is that you initiated a login or account action. Klarna sends one-time verification codes when you try to log in, make a purchase, or change account settings. These codes are a security feature designed to confirm that you’re the one accessing the account.
If you just tried to log into Klarna and received a code, that’s the system working exactly as intended. Enter the code where prompted, and you’re done.
Someone Mistyped Their Number
Sometimes, a person accidentally enters the wrong phone number when signing up for a service. If someone else mistyped their number and entered yours, you’d receive their verification code. This is harmless. You don’t have their account access, so there’s no security risk to you. You can ignore the message or reply STOP to opt out.
An Account Takeover Attempt
This scenario is more serious. If you receive an unsolicited verification code from 99398, it could mean someone has obtained your Klarna login credentials through a data breach or phishing attack. They’re trying to log into your account, but they can’t complete the process without the 2FA code sent to your phone.
Ironically, the code arriving in your inbox means the security system is working. It’s blocking the attacker. However, you should take action immediately to secure your account.
A Phishing Follow-Up
Scammers sometimes monitor for verification code deliveries, then quickly call or text pretending to be from Klarna. They might claim there’s a fraudulent purchase and ask you to verify your identity by sharing the code. This is a social engineering tactic. Legitimate Klarna representatives will never call and ask for your verification code.
🚨 How to Tell If a 99398 Message Is Legitimate
Not all messages from 99398 are safe. Scammers can spoof short codes to make their messages appear legitimate. Here’s how to tell the difference.
Legitimate Messages from 99398
A genuine message from Klarna has specific characteristics. It contains only the six-digit code and the service name. It doesn’t include links. It doesn’t ask you to reply with personal information. It doesn’t create a sense of urgency. And it doesn’t come with a follow-up phone call asking for the code.
Legitimate verification codes arrive only when you initiate an action. If you didn’t just try to log in or make a purchase, an unexpected code is a red flag.
Warning Signs of a Phishing Attempt
Watch for these indicators that a message might be a scam. The message asks you to verify your account by clicking a link. It requests your PIN, password, or the code itself via reply. It uses urgent or threatening language about account closure or fraudulent charges. You receive multiple rapid codes without requesting any. Someone calls you shortly after the text and asks for the code.
These are classic phishing tactics. Don’t engage with them.
🛡️ What to Do When You Receive an Unexpected 99398 Text
If you get a 99398 message you didn’t request, follow these steps to protect yourself.
Don’t Share the Code
Never share the verification code with anyone. Not over the phone. Not via text. Not with someone claiming to be Klarna support. The code is for your eyes only.
Secure Your Account
Log into your Klarna account directly through the official app or website. Don’t use links from the text message. Check for any unauthorized activity. Change your password immediately if you suspect someone has access.
Watch for Follow-Up Calls
Scammers often follow up an unexpected code with a phone call pretending to be from Klarna. They might claim there’s a $399.99 purchase pending and they need to verify your identity. This is a scam. Hang up and contact Klarna directly through official channels.
📵 How to Stop Receiving Messages from 99398
If you no longer want to receive texts from Klarna, you can opt out. However, there’s an important trade-off to understand.
Replying STOP
To stop receiving SMS messages from 99398, text STOP to the number. You’ll receive a single confirmation message, and then no further texts will be sent.
Important: If you opt out of SMS communications, you may no longer be able to log into Klarna or use certain services that require SMS verification. This is because Klarna relies on text messages for security codes and account notifications.
Restarting Messages
If you change your mind later, you can text START to 99398 to resume receiving messages.
Getting Help
For questions about the messages, you can text HELP to 99398. You’ll receive an automated response with information and support options.
❌ Common Mistakes to Avoid
When dealing with 99398 messages, avoid these errors that could compromise your security.
Mistake 1: Sharing the Code with Callers
The biggest mistake is sharing your verification code with someone who calls claiming to be from Klarna. Legitimate companies never ask for your code over the phone. If someone asks, they’re a scammer.
Mistake 2: Clicking Links in Unsolicited Messages
Legitimate verification codes from 99398 don’t contain links. If your message includes a URL, it’s likely a phishing attempt. Don’t click it.
Mistake 3: Ignoring Unexpected Codes
If you receive a code you didn’t request, don’t just ignore it. This could indicate someone is trying to access your account. Log in immediately and secure your account.
Mistake 4: Assuming All 99398 Messages Are Scams
While scams exist, 99398 is a legitimate short code owned by Klarna. If you use Klarna, these messages are part of the normal security process. Don’t delete them without checking if you requested a code.
💡 Expert Tips for Managing Klarna SMS Security
Here are some best practices to keep your account safe.
Enable Two-Factor Authentication
Two-factor authentication (2FA) adds an extra layer of security. Even if someone steals your password, they can’t access your account without the verification code sent to your phone.
Use a Strong, Unique Password
Don’t reuse passwords across different services. If one service is breached, attackers will try the same credentials on other sites, including Klarna. Use a password manager to create and store unique passwords.
Monitor Your Account Regularly
Check your Klarna account for unauthorized transactions or changes. If you notice anything suspicious, contact Klarna support immediately.
Be Skeptical of Unsolicited Calls
If someone calls claiming to be from Klarna, hang up and call the official customer service number yourself. Don’t trust caller ID, as scammers can spoof numbers.
❓ Frequently Asked Questions
What is a 99398 text message?
A 99398 text message is a short code message sent by Klarna. These messages typically contain verification codes, order updates, or account notifications.
Is 99398 a scam?
The 99398 short code itself is legitimate and registered to Klarna. However, scammers can spoof short codes or follow up with phishing calls. Always verify the context before sharing any information.
Who owns 99398?
Klarna owns the 99398 short code. They use it for their SMS verification and notification program.
Why did I get a code from 99398?
You received a code because someone initiated a login or account action. This could be you, or it could be someone who mistyped their number. If you didn’t request it, secure your account immediately.
How do I stop texts from 99398?
Text STOP to 99398 to opt out. Be aware that opting out may prevent you from logging into Klarna, as SMS verification is required for account access.
What should I do if I get a 99398 code I didn’t request?
Don’t share the code with anyone. Log into your Klarna account directly through the official app or website and check for unauthorized activity. Change your password if you suspect a breach.
Can I reply to 99398?
You can reply with standard keywords like STOP or HELP. Replies are processed automatically. Don’t expect a personal response.
Is 99398 only for Klarna?
The 99398 short code is registered to Klarna for their SMS program. While other numbers like 69010 are also used by Klarna, 99398 is specifically associated with their verification and notification services.
✅ Conclusion
The 99398 text message comes from Klarna, a legitimate financial service. If you use Klarna, you’ll receive verification codes and account notifications from this number. The code itself is safe. However, scammers can exploit the trust users have in short codes through phishing calls and fake messages.
Protect yourself by never sharing your verification code with anyone. If you receive an unexpected code, log into your account directly and secure it. To stop receiving messages, text STOP, but understand that this may limit your ability to use Klarna’s services. Stay informed, stay cautious, and verify before you act.
Mr. Abdullah is a passionate writer who creates engaging, helpful, and easy-to-understand content for readers. He enjoys sharing fresh ideas, useful insights, and inspiring stories through MessageWritingHub.
