Heat oil in a pan on low-medium heat and fry onions and red pepper for a minute.
Now add cayenne, oregano, paprika and salt and continue to fry for about 2 minutes.
Once the red pepper is soft, add the baked beans and mix together.
Mash the baked beans a bit using a potato masher or fork so that the mixture is mashed but still a bit chunky.
Now place about 4 full tablespoons of refried beans onto one half side of the wrap and spread evenly, enough to cover the half, add 3 or 4 slices of tomato, followed by a dollop of cheese sauce to cover the mixture completely. Fold over the wrap to make a half moon.
Place the half-moon filled wrap on a lightly oiled pan on medium heat and fry until it becomes golden brown, then flip over and fry until the other side is golden brown and crispy too. This should take about a minute on each side.