We present a method for treatment of three charged particles. The proposed method has universal character and is applicable both for bound and continuum states. A finite rank approximation is used for Coulomb potential in three-body system Hamiltonian, that results in a system of one-dimensional coupled integral equations. Preliminary numerical results for three-body atomic and molecular systems like H − , He, ppµ and other are presented.Keywords three-body atomic systems • hyperspherical functions • finite rank operator • bound states