Put a skillet on the stovetop over medium heat. Add the beef, taco seasoning, and water. Cook, using a spatula to break up the beef while it browns. It will take about 10 minutes.
Line an air fryer tray with foil. If you are using a tray with no holes, you don't need the foil.
Put the tortilla chips on the prepared tray. The tray should be completely covered with overlapping chips. Feel free to add more or fewer as needed.
Warm the refried beans in the microwave or on the stovetop. Cover the tortilla chips on the tray with small scoops of beans.
Sprinkle ⅓ of the cooked beef over the chips. Save the rest of the seasoned beef to use for more servings of nachos or another recipe.
Put the shredded cheese all over the tray of nachos. You want good cheese coverage here!
Place the tray of nachos in the upper rack position in the air fryer oven. Air fry for 3 minutes at 350°F (175°C). The cheese should melt in this time.
After air frying, top the nachos with plain yogurt, pico de gallo, guacamole, scallions, and pickled jalapenos. Enjoy immediately - nachos are best served warm!