In a large frying pan or skillet on medium heat, add the ground beef and break it into small pieces as it cooks. Sauté for about 5-8 minutes or until cooked through. Remove grease from the pan.

Add taco seasoning, water, and enchilada sauce. Stir until combined and let simmer for 1-2 minutes.

Spread a layer of refried beans on one tortilla. Top with ground beef, add cheese, and place another tortilla on top.

Spread 1 tablespoon of enchilada sauce on top of the tortilla and cover with shredded cheese.

Repeat with remaining tortillas.

For Air Fryer: Preheat to 400°F, place one pizza at a time, and cook for about 5 minutes, or until cheese melts and tortillas are crispy.

For Oven: Preheat to 350°F, arrange pizzas on a lined sheet pan and bake for 8-10 minutes until cheese is melted.

For Pan Frying: In a pan, add oil, place one pizza, cover, and cook for 4-5 minutes until cheese melts and bottom tortilla is crispy.

Transfer pizzas to a serving plate and top with optional garnishes: tomatoes, red onion, olives, sour cream, and green onion.