Satellite-sensor-based microwave brightness temperatures for a three-dimensional raining cloud over a reflecting surface are computed by using a radiative transfer model based on the discrete-ordinates solution procedure. The three-dimensional model applied to a plane layer is validated by comparison with results from a one-dimensional model that is available in the literature. Results examining the effects of cloud height, rainfall rate, surface reflectance, rainfall footprint area, and satellite viewing position on one- and three-dimensional brightness temperature calculations are reported. The numerical experiments indicate that, under certain conditions, three-dimensional effects are significant in the analysis of satellite-sensor-based rainfall retrieval algorithms. The results point to the need to consider carefully three-dimensional effects as well as surface reflectance effects when interpreting satellitemeasured radiation data.