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What happens if I do not answer an order sent for payment?

Short answer: After 3 days, a reminder email goes out to the admins holding the Money pot role. After 15 days with no decision, the order is cancelled automatically and the buyer is told.

The calendar

Moment What happens
Same day The buyer receives confirmation that their order has been sent to your organization. The order appears on your side with the To pay pill.
After 3 days A reminder email goes to every admin holding the Money pot role. It is sent only once per order.
After 15 days The order is cancelled. The buyer receives an email telling them so.
The countdown runs from the Sent on date, shown in the order's details.

Nothing is debited

An order that expires costs the money pot nothing: no amount was ever held, only shown as committed in the Available balance. As soon as it is cancelled, that amount returns to what is available.
For the buyer, the outcome is the same as an explicit decline: they paid nothing, there is nothing to refund, and they can place the order again and pay for it themselves.
Not answering is not neutral for the buyer: they wait two weeks for their products only to learn the order is cancelled. Declining straight away, when the answer is no, does them a favour.

Going further

What happens if I do not answer an order sent for payment? | DAGOBA