Ghana Card verification API: PIN format, NIA record checks and Bank of Ghana rules

Format of the Ghana Card PIN

Where the PIN is required

• Banking and payments: the Bank of Ghana directed that the Ghana Card be the identification for financial transactions, effective 1 July 2022.
• Tax: the Ghana Revenue Authority uses the Ghana Card PIN as the TIN for individuals.
• Mobile: SIM registration requires the Ghana Card.

A product that accepts other IDs for these flows is out of step with the market.

Response contents of a Ghana Card verification API

A parse result tells you whether a number is well formed. A verification response tells you whether the person in front of the camera owns it. deepidv runs one session: document capture with OCR and the AI document fraud check, face liveness with a 1:1 match to the document photo, the NIA record check, PEP and sanctions screening, and an optional 1:N match that flags the same face behind a second account.

• One decision per session, with an outcome for every step, delivered by webhook (session.status.verified, session.status.rejected, session.status.failed).
• A reason for every non-pass outcome, separating malformed input, a record that was not found, a mismatch between document and record, and a registry that did not answer.
• A signed verification receipt with a UTC timestamp per step, anchored on Base L2 with zero personal data on chain, checkable at proof.deepidv.com.

Capturing the Ghana Card

The Ghana Card follows the ECOWAS identity card design, with a chip and a machine readable zone on the back. deepidv reads the MRZ and the front fields, flags any difference between them, and runs the AI document fraud check on the card in a single capture.

NIA record checks

The NIA record confirms the PIN, the holder's name and date of birth, and the enrolment photo for a face match. Data protection runs under the Data Protection Act 2012 (Act 843), supervised by the Data Protection Commission.

Liveness, face match and Ghana AML rules

The Anti-Money Laundering Act 2020 (Act 1044) requires customer due diligence and ongoing monitoring, with suspicious transactions reported to the FIC. deepidv runs passive liveness, a face match to the NIA photo and PEP and sanctions screening in one session, and Arbiter drafts the STR for your team's review.

How deepidv runs Ghana verification

deepidv is a verification engine and agentic compliance suite built from the ground up, without third-party verification APIs underneath. The engine is SOC 2, ISO 27001 and PCI DSS certified, and deepidv is a member of DIACC and the AVPA. Luna, the verification agent, builds and sends Ghana verification workflows from the platform or from any LLM through MCP. Arbiter, the compliance agent, maps the workflow to the Anti-Money Laundering Act 2020 (Act 1044) requirements, monitors accounts after onboarding and drafts suspicious transaction reports for the FIC for your team to review.