Dice onion, bell pepper, and jalapeno and set aside.
Mince garlic and set aside.
Heat medium skillet over medium heat and add olive oil.
Add diced onion, bell pepper, and jalapeno. Sauté for 8 minutes until onion is translucent.
Add garlic, season with 1 teaspoon salt and 1 teaspoon pepper. Sauté for 1 minute.
Add ground beef, break up into small pieces, and cook for 10 minutes until meat is fully cooked.
Add tomato paste, cumin, chili powder, paprika, and cayenne pepper. Mix well.
After the meat has cooked, cover with a lid and reduce heat to low to keep warm.
Heat a small pot over medium low heat and add refried beans. Heat for 5 minutes or so until beans are warm.
Make Pico de Gallo according to recipe instructions.