The invention discloses a three-layer fabric and a tatting technique thereof. Side openings at both sides of the cloth width of the three-layer fabric are tatted into a single layer, a surface layer and a liner layer comprise foundation tissues and jacquard or pattern tissues, the foundation tissue of the surface layer is tatted by surface warp and surface weft, the jacquard or pattern tissue is tatted by liner warp and liner weft, the foundation tissue of the liner layer is tatted by the liner warp and the liner weft, the jacquard or pattern tissue is tatted by the surface warp and the surface weft, and a middle layer comprises a layer of middle weft and is clamped and fixed by a binding tissue in a complete tissue; at the junction of the foundation tissue and the jacquard or pattern tissue, surface-liner connection and liner-surface connection are carried out to form the binding tissue; the tatting technique comprises seven procedures of fabric design, warp beaming, loom tacking, tatting, desizing, softening and water washing, adopts a set of surface weft yarn system, a set of middle weft yarn system, a set of liner weft yarn system and two sets of warp yarn systems for tatting,and the tatting sequence is the surface firstly, the middle secondly and the liner thirdly or is reverse; and the invention solves the problem that the prior art is difficult to tatt a fabric which can be directly used for producing an air-conditioning bedding and has the required thickness, and has obvious use value and economic value.