In a large skillet over medium-high heat, cook the ground beef, breaking it up as it browns. Once fully cooked, drain any excess grease.
Add the taco seasoning and water to the skillet with the beef. Stir well and simmer for 5 minutes until the mixture thickens. Remove from heat.
In a separate pan, heat about ½ inch of vegetable oil over medium heat. Once hot, fry the tortillas one at a time for 30-60 seconds per side, or until golden and crispy. Drain on paper towels.
Preheat the oven to 400°F.
Spread a thin layer of refried beans over 4 of the fried tortillas. Top each with a layer of seasoned ground beef.
Place a second tortilla on top of each one to form a sandwich. Spread a generous amount of enchilada sauce or Taco Bell sauce over the top tortilla.
Sprinkle shredded cheese over each pizza, making sure it’s fully covered.
Place the pizzas on a baking sheet and bake for 8-10 minutes, or until the cheese is fully melted and bubbly.
Remove from the oven and top with chopped tomatoes, sliced green onions, black olives, and sour cream if desired.
Slice into quarters and serve immediately.