Preheat your oven to 375°F (190°C).
Carefully slice the jalapeños in half lengthwise and remove the seeds and membranes for less heat if desired.
In a mixing bowl, combine the refried beans, cream cheese, shredded cheddar cheese, garlic powder, onion powder, cumin, paprika, salt, and pepper. Mix until well combined.
Spoon the bean mixture into each jalapeño half, filling them generously.
Place the stuffed jalapeños on a baking sheet, arranged cut-side up.
Bake in the preheated oven for 20 minutes, or until the jalapeños are tender and the cheese is bubbly and golden.
Remove from the oven and let cool slightly before serving.
If desired, garnish with fresh cilantro before serving.