This paper describes integrated testing and debugging environment for Java Card. An integrated testing and debugging environment is based on J-JCRE (Java Card Runtime Environment) and Java Card APIs (Application Programming Interface). And also, developed tool supports two kinds of cryptographic algorithms, automatic generation of client/server applet stub/skeleton, script execution, and source level debugging of system class etc. Therefore, by using development environment, application can be debugged and tested before being downloaded onto the Java Card. Key-Words: Java Card, Simulator, Testing, Debugging, Development tool