Heat a medium skillet over medium heat. Add the olive oil and minced garlic. Sauté for about 30 seconds until fragrant.
Add the pinto beans to the skillet and season with cumin, paprika, salt, and black pepper. Stir everything together, mashing the beans with a fork or potato masher as you cook. Add a splash or two of water to reach your desired consistency. Cook for 5-7 minutes, then set aside.
Warm the tostada shells in the oven according to the package instructions if desired, or skip this step if they’re ready to eat as is.
Once the refried beans are done, spread a generous amount on each tostada shell.
Top each tostada with shredded lettuce, diced tomato, and diced red onion.
Add slices of fresh or pickled jalapeño, diced avocado, crumbled queso fresco, and a sprinkle of fresh cilantro leaves on top.
Serve with lime wedges on the side and optional toppings like sour cream, salsa, and hot sauce.
Enjoy immediately while the tostadas are crisp!