After extensive online research and going to the embassies in person, I have discovered that it is extremely difficult (I don’t want to say impossible, because nothing is impossible in Nigeria) for a non-Nigerian resident to obtain a Ghanaian visa in Nigeria. If you have a resident visa it is possible, but those of us without resident visas cannot obtain a Ghana visa from the Ghana High Commission in Nigeria. You have to apply for a visa online and pick it up at the point of entry to Ghana. If you do that, you should absolutely fly to Ghana from Nigeria. I would advise against any non-Nigerian person in Nigeria from traveling to Ghana by road because 1) the transit visas you need for Togo and Benin will cost N 17,000 (about $130) total (N 7,000 for Togo and N 10,000 per two entries in Benin) and 2) for all of the hold-up and wahala (problems) you will face at each border. Even my Nigerian host family said the border patrol gives them a hard time.
One of my friends said he, a Nigerian, and his white girlfriend tried to go by road and were forced to turn back because of the constant questioning and hold up they met at each police check point. He said they could spend up to 45 minutes at each one waiting while the Togolese officers scrutinized his girlfriends passport and travel documents. It’s either you stand your ground and wait out the questions or give in and pay an unknown amount, he warned. The latter could get expensive and they still might not let you pass. Speaking fluent French would be to your great advantage. So if you are a white person coming to Nigeria and plan to travel to Ghana while you are here, make sure to obtain the visa in your home country to avoid all of this disappointment that I have experienced.
One option for foreign travelers getting around West Africa is finding someone with connections (which is not hard) to help you get an ECOWAS passport. The Economic Community of West African States is a group of 15 West African countries that works to build joint economic development in the region. ECOWAS passport holders can travel to any of the participating countries without a visa. Ghana and Nigeria are ECOWAS countries. From what my local sources have told me, all you need is about N 20,000 ($133), passport photos and pam, you have a golden ticket to West Africa. The passport would be legitimate and approved. As afore mentioned, anything is possible in Naija. As for the questioning you would get as a white person holding a Nigerian passport at the border, I am unsure, but at least you have the documentation.
One thing is for sure, this holiday season, I am staying in Nigeria.