In a skillet, cook beef over medium heat until no longer pink; drain.
Break beef into small pieces with a hamburger chopper while frying
Add the onion and sauté a couple of minutes to cook.
Remove from heat.
Stir in taco seasoning and refried beans.
Unroll one can of crescent roll dough.
Press onto bottom of a greased 9x13” baking pan; seal seams and perforations.
Spread meat mixture over crust; sprinkle with Mozzarella cheese, then Cheddar cheese.
Unroll remaining can of crescent roll dough.
Stretch and press to make it fit top for a crust.
Place crescent roll crust on top of cheeses.
Bake, covered, for about 30 minutes at 350°.
Remove lid or foil and bake another 10-15 minutes until crust is golden brown.
Remove from oven.
Sprinkle each of the four toppings in rows over top of crust.
(Or serve on the side if preferred).
Serve with pico de gallo, salsa, hot sauce, guacamole, and sour cream on the side.