You can use a 4 pin fan on a 3 pin header but it is
NOT recommended. Yes, you will get speed control because lower volts but the fans won't have any of the advantages (i.e. low speed control) . may void thge warranty depending on manufacturer. I have not seen a MoBo w/ just 3 pin fans in 3 years. Most MoBo's today have 4 pin headers, auto sense the type of fan and will send a PWM or DCV signal as appropriate.
Even is you use PWM t modulate the voltage, it's a bad thing. Here's the language from Nidec... manufacturer of PWM fans including the revered Gentle Typhoons
Pulse-width modulation of DC operating voltage to modify fan speed [edit: in PWM devices] is not recommended. Transients generated by that approach can...