Depending on the size you want to prepare, select a tray and spread over all refried beans or black beans (I use the refried as the first layer, then add some black beans). Start layering with sour cream, tomatoes, onions, peppers, then put Taco sauce on top, then if you WANT meat add it now then layer with plenty of cheese. Serve with scoops or tortilla chips.
You can heat for a short period of time in a hot oven, just until cheese begins to melt, or serve room temperature, it's great either way. ENJOY!
What I love about this recipe is that it's great with or without the onions and peppers.