Prepare Tortillas: Lightly fry the flour tortillas in a skillet with oil over medium heat for about 1 minute on each side, or bake at 400°F for 6-8 minutes until crispy.

Cook the Beef: In a skillet over medium-high heat, brown the ground beef until no longer pink, about 5-7 minutes. Drain grease, add taco seasoning and ¾ cup water, then simmer for 5 minutes.

Heat the Beans: Warm the refried beans in a small saucepan over low heat, stirring occasionally and adding water for smoothness if needed.

Assemble Pizzas: Spread a layer of warmed refried beans on a tortilla, add seasoned beef, and place a second tortilla on top.

Sauce & Cheese: Spread taco sauce over the top tortilla and sprinkle with shredded cheese. Add optional toppings like diced tomatoes and black olives.

Bake: Preheat oven to 425°F and bake the assembled pizza for 5-10 minutes until cheese melts and bubbles.

Serve: Let cool for a minute, slice into quarters, and serve hot with taco sauce, green onions, or sour cream.