Maybe 3.5 would be better, but not possible. Here are some issues I've had so far. But please read my review till the end, cos there are some very good things about them as well.
Often they will send you promos with their CPA partners especially in COD - Cash On Delivery niche, like AdCombo, LeadBit. If you spend on some specific offers and GEOs $500 you will get $50 cashback, or the Aff Network will raise your payout for 10% and similar. I've made tons of money with AdCombo and LeadBit, but mainly through FB ads, at the time when it was much easier to run Nutra Ads on FB, some 3 years ago But with MGID it never was a case.
As soon as I've made my first deposit, some 3 years ago, I've got tons of emails from them to rise deposit to $500 because I would get a dedicated manager. I did. But all of a sudden, all my running campaigns start draining my budget rapidly, even with daily click / budget limits set on them, which was working nicely before I've made a higher deposit. Anyway, I did delete all campaigns and still, it overspent was like 5x more. They never refunded me back, try to explain that it is possible to overspend and so on and forth. Due to that I never again funded more than $300 at once. I don't need such "benefits" like I've got the first time I did.
And slow approvals, are a problem. In CPA it is sometimes very important for tests to get your Ads to review fast and running. However, it looks to me that recently things changed for the better.
So, why I've spent more than $14.000 with them? Well, if you are a small business owner, and have your own brand products it might work well for you. If the product is your brand, no tons of other affiliates like in CPA networks to compete with. In such case MGID works well. My wife and I had our own cosmetics line, and MGID was working for us very well. But, things changed last year in June. They introduce some changes for the better of everyone. I was ready to see a drop in my ROI, based on my experience - whenever Ad Platform say they change something for the better, usually expect the opposite. Since then, I was forced to use some other Native platforms, because ROI was close to nothing. Last month I did a final test with $350 and I hardly get it back thought sales. Funny is , all my fresh ads were all the sudden running almost exclusively on just 1 Pub ID. Why, who knows. Maybe I step up on some foots, I don't know.
In conclusion, test them. It is worth giving them a try.