In a large frypan, heat oil , then sauté onion for 4-5 minutes. Add garlic and continue to stir for another minute.
Add red and green capsicum, zucchini and stir fry for another 3-4 minutes. Add spices and continue to fry for a further minute. Add salsa and beans and stir until beans are heated through.
Warm wraps in microwave and spoon filling onto wrap. Sprinkle with cheese. Serve with sour cream & avocado.