We try to use HubSpot Commerce, but run into walls for many areas.
This is one of them. We need an event for 'Abandoned Car' to trigger a workflow when the user does not fill out the credit card details and submit the payment.
It should work like Stripe's Abandonded Cart event. This is triggered on non-finalized checkouts after 24 hours. You can subscribe to the event and then trigger the workflow you need.
When a Payment Link is created in HubSpot, then it must be possible to state if an Abandonded Cart event must be created. Then I can subscribe one or more workflows on the event.