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Preheat the oven to 375°F. Spray two baking sheets with non-stick spray and place 3 tortillas on each sheet.
Bake the tortillas for 3-5 minutes, flip, and bake for another 2-5 minutes until golden and crispy. Set aside.
In a skillet, cook and crumble the ground beef over medium-high heat. Drain the grease.
Add taco seasoning and water to the beef, bring to a boil, then reduce heat to medium-low. Simmer for 10 minutes and set aside.
In a microwave-safe bowl, warm the refried beans. Spread a thin layer on one tortilla.
Top with ⅓ of the meat mixture, then place another tortilla on top.
Spread 3 tablespoons of enchilada sauce on the top tortilla. Sprinkle with cheddar and pepper-jack cheese. Add diced tomato, green onion, and sliced black olives.
Repeat with the remaining tortillas to create three pizzas.
Bake for 5 minutes, or until the cheese is melted and bubbly. Let cool slightly before slicing and serving.