If you use Open Edge as your merchant credit card processing through IO you can recharge a customer's credit card. A whole credit card is not saved, but Open Edge does save a "token" so that a card can be recharged or credited as well.
On the lead page go to the Contract tab. Press Edit. Here under payments add another payment. In the payment type dropdown box there will be an option of charging the credit card previously used on the lead. Fill out payment information and save. If you need to refund a card use the negative (-) sign before the amount.