Warm the refried beans in a small pan or microwave until soft and steaming

Spread the warm beans evenly over the toasted bread, creating a smooth, thick layer

Place the cheese slice on top so it covers most of the beans

Heat under a broiler or in a hot pan until the cheese melts and becomes glossy and slightly bubbly

Remove from heat and spoon salsa over the top, letting it settle into the melted cheese

Serve immediately while hot, with the cheese still gooey and the toast crisp