I made my own git repo on my server using git init --bare. I added some files there and then cloned my repo from myserver by git clone http://www.example.
/repo/.ssh/authorized_keys won't mean anything to your ssh daemon on your server: sshd will look for that file under the home of the user making the ssh query: /home/user/.ssh/authorized_key
Plus, if you are using https://... urls, you won't use ssh at all anyway. For an ssh url to work, you would need an Apache server properly configure to call the git-http-backend script.
See for instance this git-http-backend question.